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The terms of your loan will also be limited. The amount you can borrow will be small, and you will most likely only be granted a personal loan or bank malaysia personal loan student loan, since house and car loans are considered too risky for a person with bad credit.
In certain cases you could be granted a salary loan if your local banks that do personal loans is high enough to repay it. The Use of Collateral. In the sticky situation where you have bad credit as well as no bank account, you may still borrow money from an alternative lending agency if you are able to put up collateral.
This collateral must have value, such as a car or your house. Not all lending agencies will offer this bank malaysia personal loan so shop around to find one that does. Improve Your Credit to Obtain a Loan. Getting the loan you want may be too difficult with bad credit and no bank account, but by improving your credit score you can better your chances of getting a bigger loan with a lower interest rate. The best way to improve your credit history with bad credit is to borrow small amounts of money and immediately pay it off.
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