What is a format for a personal loan?

I'm trying to get a personal loan but I have poor credit. What can I do to increase my chances of a loan?

• I've opened two credit cards and have never went over my limit. I also pay both of them on time sometimes before their due. I want this loan to help me out with school and living expenses, but each time I try to apply for a personal loan, I get turned down. I've even cleaned up my credit report a little but I still get turned down. What else can I do to help me with a personal loan?

• Answer:

  People with poor credit feel that it is difficult to get personal loans. However, there are many financial companies and banks that provide loans to bad credit applicants. Bad credit personal loans are generally sought<!--by persons who want to consolidate their loans.Some banks prefer to provide loans in an incremental order. First time customers are given loans ranging from $200 to $500, depending on their net income. You can get more about personal loans here, http://best-loans.awardspace.com/personalloans.htm These customers can later apply for loans up to $1,500. Loans of greater amounts can be fetched through secured personal loans. These loans are passed by taking your property or home as collateral-->The interest rates on secured loans are lower than unsecured loans. However, there is always the risk of losing your house or property if the loan is not repaid.