<p>纽约市，纽约州 / ACCESS Newswire /2025 年 9 月 16 日/ 对于信用历史有限的人来说，获得贷款可能会面临挑战。由于缺乏可靠偿还债务的证明，潜在借款人在寻求信贷时会遇到一些障碍。</p>
<p>然而，信用有限并不意味着个人无法获得贷款。潜在借款人可以采取几项措施来提高获得批准的机会，以便获得他们所需的资金用于紧急开支、大额购买或甚至债务整合。</p>
<p><strong>1. 检查您的信用报告</strong></p>
<p>在决定是否批准贷款时，贷款人希望了解借款人可能的风险。贷款人用来评估风险的一个工具是借款人的信用报告。在申请之前，借款人可以在 AnnualCreditReport.com 请求自己的信用报告，查看是否有任何逾期或未付款、欺诈活动或其他信用问题。如果存在问题，借款人可以通过纠正信用报告中的错误、偿还未清债务并确保按时支付所有债务来逐步改善自己的信用评分。</p>
<p><strong>2. 寻求预审</strong></p>
<p>潜在借款人可以通过预审他们感兴趣的贷款来节省大量时间。大多数贷款人提供预审选项。通过预审，贷款人将进行所谓的软信用查询，以确定申请人是否符合贷款人的基本标准。软查询不会影响消费者的信用评分。</p>
<p><strong>3. 如果可能，添加共同签署人或共同申请人</strong></p>
<p>添加一个信用更强的共同签署人或共同申请人可以提高借款人获得个人贷款批准的机会。共同签署人同意在主要借款人违约时承担偿还贷款的责任。共同签署人可以是家庭成员、密友或商业熟人。共同申请人有与共同签署人类似的责任，但他们也可以访问贷款资金。</p>
<p><strong>4. 申请担保贷款</strong></p>
<p>担保贷款是一种需要抵押品的个人贷款。抵押品有助于降低贷款人的风险。抵押品是有价值的东西，例如汽车或房屋。贷款人可能对什么类型的抵押品符合要求有不同的规定。如果借款人违约，贷款人可以收回抵押品。如果抵押品的价值不足以覆盖贷款成本，借款人仍可能需要负责弥补差额。</p>
<p><strong>结论</strong></p>
<p>有限的信用历史或低信用评分不应阻止任何人申请个人贷款。借款人可以采取某些步骤来提高贷款批准的机会。这些步骤包括在接触贷款人之前检查自己的信用报告、获得预审、寻找共同签署人或共同申请人（如果可能），或申请担保贷款。</p>
<p><strong>赞助内容</strong></p>
<p>关于 OneMain Financial</p>
<p>查看网站</p>
<p>OneMain Financial 是为非优质客户提供负责任的信贷访问的领导者，致力于改善勤奋美国人的财务福祉。</p>
<p><strong>联系方式</strong>：</p>
<p>Sonakshi Murze</p>
<p>经理</p>
<p>sonakshi.murze@iquanti.com</p>
<p><strong>来源：</strong> OneMain Financial</p>
<p>查看 ACCESS Newswire 上的原始新闻稿</p>

OneMain控股

<p>OneMain Financial 为信用有限的消费者提供了四个个人贷款的财务建议。这些建议包括检查信用报告中的错误、寻求预先资格认证以节省时间、添加共同签署人或共同申请人以提高批准机会，以及考虑需要抵押品的担保贷款。该公司强调，有限的信用历史不应阻止个人申请贷款，因为有步骤可以提高批准的可能性</p>

<p>NEW YORK CITY, NY / ACCESS Newswire / September 16, 2025 / Getting a loan can be challenging for those who have a limited credit history. Without proof that they can reliably pay their debts, potential borrowers face some roadblocks when seeking credit.</p>
<div class="lb-trans"><p>纽约市，纽约州 / ACCESS Newswire /2025 年 9 月 16 日/ 对于信用历史有限的人来说，获得贷款可能会面临挑战。由于缺乏可靠偿还债务的证明，潜在借款人在寻求信贷时会遇到一些障碍。</p>
</div><p>Having limited credit doesn't disqualify an individual from getting a loan, however. There are several steps potential borrowers can take to improve their chances of getting approved so they can get the funds they need for emergency expenses, a large purchase or even debt consolidation.</p>
<div class="lb-trans"><p>然而，信用有限并不意味着个人无法获得贷款。潜在借款人可以采取几项措施来提高获得批准的机会，以便获得他们所需的资金用于紧急开支、大额购买或甚至债务整合。</p>
</div><p><strong>1. Check your credit report</strong></p>
<div class="lb-trans"><p><strong>1. 检查您的信用报告</strong></p>
</div><p>When deciding whether to approve a loan, lenders want to know how risky the borrower might be. One tool lenders use to evaluate risk is the borrower's credit report. Before applying, a borrower can request their own credit report at AnnualCreditReport.com and see whether they have any late or missed payments, fraudulent activity or other problems with their credit. If there are issues, a borrower can gradually improve their credit score over time by correcting any mistakes on their credit report, paying off outstanding debts and ensuring they make all their debt payments on time.</p>
<div class="lb-trans"><p>在决定是否批准贷款时，贷款人希望了解借款人可能的风险。贷款人用来评估风险的一个工具是借款人的信用报告。在申请之前，借款人可以在 AnnualCreditReport.com 请求自己的信用报告，查看是否有任何逾期或未付款、欺诈活动或其他信用问题。如果存在问题，借款人可以通过纠正信用报告中的错误、偿还未清债务并确保按时支付所有债务来逐步改善自己的信用评分。</p>
</div><p><strong>2. Seek prequalification</strong></p>
<div class="lb-trans"><p><strong>2. 寻求预审</strong></p>
</div><p>A would-be borrower can save a lot of time by prequalifying for the loan they're interested in. Most lenders offer the option to prequalify. With prequalification, the lender will initiate what's known as a soft credit inquiry to determine whether the applicant meets the lender's basic criteria for a loan. A soft inquiry will not affect the consumer's credit score.</p>
<div class="lb-trans"><p>潜在借款人可以通过预审他们感兴趣的贷款来节省大量时间。大多数贷款人提供预审选项。通过预审，贷款人将进行所谓的软信用查询，以确定申请人是否符合贷款人的基本标准。软查询不会影响消费者的信用评分。</p>
</div><p><strong>3. Add a co-signer or co-applicant if possible</strong></p>
<div class="lb-trans"><p><strong>3. 如果可能，添加共同签署人或共同申请人</strong></p>
</div><p>Adding a co-signer or co-applicant with stronger credit can improve a borrower's chances of getting approved for a personal loan. The co-signer agrees to take on the responsibility of repaying the loan if the primary borrower defaults. A co-signer can be a family member, close friend or business acquaintance. A co-applicant has similar responsibilities to a co-signer, but they also have access to the loan funds.</p>
<div class="lb-trans"><p>添加一个信用更强的共同签署人或共同申请人可以提高借款人获得个人贷款批准的机会。共同签署人同意在主要借款人违约时承担偿还贷款的责任。共同签署人可以是家庭成员、密友或商业熟人。共同申请人有与共同签署人类似的责任，但他们也可以访问贷款资金。</p>
</div><p><strong>4. Apply for a secured loan</strong></p>
<div class="lb-trans"><p><strong>4. 申请担保贷款</strong></p>
</div><p>A secured loan is a personal loan that requires collateral. Collateral helps mitigate the lender's risk. Collateral is something of value, such as a car or a house. Lenders may have different requirements about what kind of collateral is eligible. If the borrower defaults on the loan, the lender could take the collateral. If the value of the collateral doesn't cover the cost of the loan, the borrower may still be responsible for making up the difference.</p>
<div class="lb-trans"><p>担保贷款是一种需要抵押品的个人贷款。抵押品有助于降低贷款人的风险。抵押品是有价值的东西，例如汽车或房屋。贷款人可能对什么类型的抵押品符合要求有不同的规定。如果借款人违约，贷款人可以收回抵押品。如果抵押品的价值不足以覆盖贷款成本，借款人仍可能需要负责弥补差额。</p>
</div><p><strong>The Bottom Line</strong></p>
<div class="lb-trans"><p><strong>结论</strong></p>
</div><p>A limited credit history or low credit score shouldn't prevent anyone from applying for a personal loan. Borrowers can take certain steps to improve the chances of loan approval. They include checking their credit report before approaching the lender, getting prequalified, finding a co-signer or co-applicant, if possible, or applying for a secured loan.</p>
<div class="lb-trans"><p>有限的信用历史或低信用评分不应阻止任何人申请个人贷款。借款人可以采取某些步骤来提高贷款批准的机会。这些步骤包括在接触贷款人之前检查自己的信用报告、获得预审、寻找共同签署人或共同申请人（如果可能），或申请担保贷款。</p>
</div><p><strong>SPONSORED CONTENT</strong></p>
<div class="lb-trans"><p><strong>赞助内容</strong></p>
</div><p>About OneMain Financial</p>
<div class="lb-trans"><p>关于 OneMain Financial</p>
</div><p>View Website</p>
<div class="lb-trans"><p>查看网站</p>
</div><p>OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.</p>
<div class="lb-trans"><p>OneMain Financial 是为非优质客户提供负责任的信贷访问的领导者，致力于改善勤奋美国人的财务福祉。</p>
</div><p><strong>CONTACT</strong>:</p>
<div class="lb-trans"><p><strong>联系方式</strong>：</p>
</div><p>Sonakshi Murze</p>
<div class="lb-trans"><p>Sonakshi Murze</p>
</div><p>Manager</p>
<div class="lb-trans"><p>经理</p>
</div><p>sonakshi.murze@iquanti.com</p>
<div class="lb-trans"><p>sonakshi.murze@iquanti.com</p>
</div><p><strong>SOURCE:</strong> OneMain Financial</p>
<div class="lb-trans"><p><strong>来源：</strong> OneMain Financial</p>
</div><p>View the original press release on ACCESS Newswire</p>
<div class="lb-trans"><p>查看 ACCESS Newswire 上的原始新闻稿</p>
</div>

OneMain Financial：为信用有限的消费者提供的 4 条个人贷款财务建议