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Co-signers have no access to loan funds or payment information but agree to repay the loan if the borrower fails to make payments. Co-borrowers, on the other hand, can access the funds and payment information and are also responsible for the loan and any missed or late payments. Note that if you don't repay the loan as agreed, your co-borrower's or co-signer's credit will be negatively impacted along with yours. Adding collateral: You can secure your personal loan by adding collateral.

For bank federal credit union, you might be able to pledge your car or money in your savings account as collateral. If you fail to repay the loan, the bank federal credit union has the right if you don t pay student loans take your collateral.

This makes a secured personal loan risky but also more accessible to borrowers with low credit scores. Including additional income: Many lenders allow you to add non-employment income on your loan application, such as Social Security payments, alimony or child support.

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