When you embark on the process of obtaining an individual loan, the question of your creditworthiness often plays a crucial role in the response from the lending institution you approach. Indeed, for banks and other traditional credit institutions, ensuring that you will honor your commitments during repayment is of crucial importance. In this context, most lenders conduct what is known as a credit check to assess, based on your borrowing history, the potential risk associated with granting a loan. In such a scenario, negative credit history related to your past loans poses a significant obstacle. It is rare for banks to approve a loan for an individual with a poor credit history. However, in such situations, there is an alternative: personal loans for individuals with unfavorable credit.