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The United States government provides parents and students with the opportunity to obtain student loans to finance education. The main form of. [link widoczny dla zalogowanych] No credit check car dealers and lenders need to set the down payment large enough so that it can pay for the cost of that repossession process. Otherwise, the auto lender could take a loss on the loan. The down payment needs to cover that risk and also provide the lender and dealer with some profit, just in case the down payment is the only money the vehicle lender will ever receive from the customer or borrower. A bad credit history is like having contracted an infectious disease. At least this is what most lenders perceive. Any requests for personal loans by people with a bad credit history are generally declined. They are charged an extravagantly high rate of interest, if advanced personal loans.