Again, this is about lenders wanting to minimise risks. Your creditworthiness is determined by your past financial behaviour and your ability to pay back debts on time. Fail to pay on time, or worse, default on a loan, and your credit rating will suffer. With a rating on the lower end, you'll just look like a red flag for late payments and overall hassle to lenders. And with no security, you don't have much else to offer a lender to earn their trust.
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