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Before tackling the topic of applying for a loan, it is important to understand the difference between two terms that are often confused: "no credit" and "bad credit."

Have no credit score

If you have no credit, this implies that you do not have a credit record. Consequently, you don't have a credit score.

If you don't have a credit score, some lenders will have a hard time deciding whether to give you a loan. On the other hand, there are lenders, who offer loans for those who do not have a credit score.

Here are some of the ways you can do it:

Have a bad credit score

Your credit worthiness is largely determined by your FICO score. This score ranges from 300 to 850.

We share a guide about the credit score:

A high score means you have a good credit history and are more likely to pay your debts on time (which is a good sign for lenders). 

It is crucial that you know what determines a good credit score .

A bad score is another story. Lenders don't often work with business owners who have bad credit scores, so knowing how to improve your credit score is very important.

We share how you can work to improve your score: