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At www.shorttermbadcreditloans.net we are not lender or broker to any financial institutions. Our activities lie in collecting information and then publishing it to our network so as to provide you with the precise information regarding loan. The lenders in contact with us advertize the various loan schemes through our site. We will not evaluate your past financial record or the information provided to us.  If any lender contacts you, then the particular lender may provide a rate quote on the basis of various factors. We cannot ensure the lowest price or best terms available in the market.