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People who rely on government assistance while also having poor credit histories—defaults, arrears, foreclosure, late or missed payments, past due balances, judgments against them, installment skipping, bankruptcy, and so forth—also suffer from poor credit ratings. They can, nevertheless, apply for the short term loan. Aside from that, they must abide by all guidelines and policies of short term loans UK direct lender because they must be repaid on time to avoid incurring additional fees for the extended duration. When compared to other loans, the interest rate is a little higher because the loan is unsecured and has a short term.