A person with a history of bad credit and an inconsistent record of payments on other debt is most likely to find a short-term loan through a

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Payday lenders typically do not require a credit check and are known for providing short-term loans to individuals with bad credit or inconsistent payment histories. Commercial banks, savings banks, personal credit institutions, and sales finance institutions are more likely to require good credit and a consistent payment record.

A Person with a History of Bad Credit and an Inconsistent