You might have to pledge something of value to a lender in order to get the personal loan you seek out as a bad credit borrower. Doing this shows your lender you are serious and willing to make repayments.
They might not extend the full $10,000 you want, but many lenders will at least consider the loan, and offer you something close, if the collateral carries a high enough value, and shows you are going to make payments on the loan.
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