<p>紐約市，紐約州 / ACCESS Newswire /2025 年 9 月 16 日/ 對於信用歷史有限的人來説，獲得貸款可能會面臨挑戰。由於缺乏可靠償還債務的證明，潛在借款人在尋求信貸時會遇到一些障礙。</p>
<p>然而，信用有限並不意味着個人無法獲得貸款。潛在借款人可以採取幾項措施來提高獲得批准的機會，以便獲得他們所需的資金用於緊急開支、大額購買或甚至債務整合。</p>
<p><strong>1. 檢查您的信用報告</strong></p>
<p>在決定是否批准貸款時，貸款人希望瞭解借款人可能的風險。貸款人用來評估風險的一個工具是借款人的信用報告。在申請之前，借款人可以在 AnnualCreditReport.com 請求自己的信用報告，查看是否有任何逾期或未付款、欺詐活動或其他信用問題。如果存在問題，借款人可以通過糾正信用報告中的錯誤、償還未清債務並確保按時支付所有債務來逐步改善自己的信用評分。</p>
<p><strong>2. 尋求預審</strong></p>
<p>潛在借款人可以通過預審他們感興趣的貸款來節省大量時間。大多數貸款人提供預審選項。通過預審，貸款人將進行所謂的軟信用查詢，以確定申請人是否符合貸款人的基本標準。軟查詢不會影響消費者的信用評分。</p>
<p><strong>3. 如果可能，添加共同簽署人或共同申請人</strong></p>
<p>添加一個信用更強的共同簽署人或共同申請人可以提高借款人獲得個人貸款批准的機會。共同簽署人同意在主要借款人違約時承擔償還貸款的責任。共同簽署人可以是家庭成員、密友或商業熟人。共同申請人有與共同簽署人類似的責任，但他們也可以訪問貸款資金。</p>
<p><strong>4. 申請擔保貸款</strong></p>
<p>擔保貸款是一種需要抵押品的個人貸款。抵押品有助於降低貸款人的風險。抵押品是有價值的東西，例如汽車或房屋。貸款人可能對什麼類型的抵押品符合要求有不同的規定。如果借款人違約，貸款人可以收回抵押品。如果抵押品的價值不足以覆蓋貸款成本，借款人仍可能需要負責彌補差額。</p>
<p><strong>結論</strong></p>
<p>有限的信用歷史或低信用評分不應阻止任何人申請個人貸款。借款人可以採取某些步驟來提高貸款批准的機會。這些步驟包括在接觸貸款人之前檢查自己的信用報告、獲得預審、尋找共同簽署人或共同申請人（如果可能），或申請擔保貸款。</p>
<p><strong>贊助內容</strong></p>
<p>關於 OneMain Financial</p>
<p>查看網站</p>
<p>OneMain Financial 是為非優質客户提供負責任的信貸訪問的領導者，致力於改善勤奮美國人的財務福祉。</p>
<p><strong>聯繫方式</strong>：</p>
<p>Sonakshi Murze</p>
<p>經理</p>
<p>sonakshi.murze@iquanti.com</p>
<p><strong>來源：</strong> OneMain Financial</p>
<p>查看 ACCESS Newswire 上的原始新聞稿</p>

OneMain控股

<p>OneMain Financial 為信用有限的消費者提供了四個個人貸款的財務建議。這些建議包括檢查信用報告中的錯誤、尋求預先資格認證以節省時間、添加共同簽署人或共同申請人以提高批准機會，以及考慮需要抵押品的擔保貸款。該公司強調，有限的信用歷史不應阻止個人申請貸款，因為有步驟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>紐約市，紐約州 / ACCESS Newswire /2025 年 9 月 16 日/ 對於信用歷史有限的人來説，獲得貸款可能會面臨挑戰。由於缺乏可靠償還債務的證明，潛在借款人在尋求信貸時會遇到一些障礙。</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，信用有限並不意味着個人無法獲得貸款。潛在借款人可以採取幾項措施來提高獲得批准的機會，以便獲得他們所需的資金用於緊急開支、大額購買或甚至債務整合。</p>
</div><p><strong>1. Check your credit report</strong></p>
<div class="lb-trans"><p><strong>1. 檢查您的信用報告</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>在決定是否批准貸款時，貸款人希望瞭解借款人可能的風險。貸款人用來評估風險的一個工具是借款人的信用報告。在申請之前，借款人可以在 AnnualCreditReport.com 請求自己的信用報告，查看是否有任何逾期或未付款、欺詐活動或其他信用問題。如果存在問題，借款人可以通過糾正信用報告中的錯誤、償還未清債務並確保按時支付所有債務來逐步改善自己的信用評分。</p>
</div><p><strong>2. Seek prequalification</strong></p>
<div class="lb-trans"><p><strong>2. 尋求預審</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>潛在借款人可以通過預審他們感興趣的貸款來節省大量時間。大多數貸款人提供預審選項。通過預審，貸款人將進行所謂的軟信用查詢，以確定申請人是否符合貸款人的基本標準。軟查詢不會影響消費者的信用評分。</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，添加共同簽署人或共同申請人</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>添加一個信用更強的共同簽署人或共同申請人可以提高借款人獲得個人貸款批准的機會。共同簽署人同意在主要借款人違約時承擔償還貸款的責任。共同簽署人可以是家庭成員、密友或商業熟人。共同申請人有與共同簽署人類似的責任，但他們也可以訪問貸款資金。</p>
</div><p><strong>4. Apply for a secured loan</strong></p>
<div class="lb-trans"><p><strong>4. 申請擔保貸款</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>擔保貸款是一種需要抵押品的個人貸款。抵押品有助於降低貸款人的風險。抵押品是有價值的東西，例如汽車或房屋。貸款人可能對什麼類型的抵押品符合要求有不同的規定。如果借款人違約，貸款人可以收回抵押品。如果抵押品的價值不足以覆蓋貸款成本，借款人仍可能需要負責彌補差額。</p>
</div><p><strong>The Bottom Line</strong></p>
<div class="lb-trans"><p><strong>結論</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>有限的信用歷史或低信用評分不應阻止任何人申請個人貸款。借款人可以採取某些步驟來提高貸款批准的機會。這些步驟包括在接觸貸款人之前檢查自己的信用報告、獲得預審、尋找共同簽署人或共同申請人（如果可能），或申請擔保貸款。</p>
</div><p><strong>SPONSORED CONTENT</strong></p>
<div class="lb-trans"><p><strong>贊助內容</strong></p>
</div><p>About OneMain Financial</p>
<div class="lb-trans"><p>關於 OneMain Financial</p>
</div><p>View Website</p>
<div class="lb-trans"><p>查看網站</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 是為非優質客户提供負責任的信貸訪問的領導者，致力於改善勤奮美國人的財務福祉。</p>
</div><p><strong>CONTACT</strong>:</p>
<div class="lb-trans"><p><strong>聯繫方式</strong>：</p>
</div><p>Sonakshi Murze</p>
<div class="lb-trans"><p>Sonakshi Murze</p>
</div><p>Manager</p>
<div class="lb-trans"><p>經理</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>來源：</strong> OneMain Financial</p>
</div><p>View the original press release on ACCESS Newswire</p>
<div class="lb-trans"><p>查看 ACCESS Newswire 上的原始新聞稿</p>
</div>

OneMain Financial：為信用有限的消費者提供的 4 條個人貸款財務建議