There can be no surprise that the task of getting $25,000 unsecured loans, for bad credit borrowers at least, is not an easy task. It is not just the size of the loan sum, nor the terms that the loan is likely to come with. The chief problem is the idea that a borrower with a history of missing repayments or defaulting on loans is likely to be rejected.But the good news is that such attitude towards applicants with low credit scores is reserved for the traditional lenders, like banks. But less mainstream lending institutions are more open to granting large loan approval. The reason is that alternative lenders have made it their business to offer competitive terms to borrowers with poor credit histories.However, there no getting away from the fact that terms for unsecured loans are never ideal, and some compromises must be made. Making approval possible, however, is the first step.The Truth About Credit HistoriesThe first mistake that people make is in thinking that a credit history is the deciding factor in loan applications. So, getting $25,000 unsecured loans for bad credit borrowers is going to be practically impossible. But a poor credit score only influences the decision on what interest rate to charge.For example, if the applicant has a credit score of 630, which is enough to place him in the bad credit category, the interest rate will be lower than if his score is 450, which is considered very bad. A score of 700, on the other hand, is considered excellent, making large loan approval almost certain.Of course, interest rates have a bearing on the affordability of an unsecured loan, with higher rate pushing the monthly repayment amount up. This creates another hurdle to clear if the loan is to be approved.Consider the Term of the LoanAt first glance, it might seem prudent to agree a loan term that is as short as possible. So, for a $25,000 unsecured loan for bad credit the applicant may wish to get a 24-month term. The reason is to ensure that the lowest amount of interest possible is paid.There is some sense in this, given that interest is the money over the principal that is paid. But the issue that applicants should look at is the amount that needs to be paid in monthly repayments. This is because affordability rests on meeting each monthly repayment, not on repaying the whole loan. In this way, large loan approval is more likely.A balanced approach is needed. While a 24-month term on the unsecured loan will mean repayments that are too high, a 72-month term will see the repayments plummet, but a huge amount of interest paid. A 48-month term is probably going to be more sensible.Choose the Right LenderFinally, the most prudent action that any applicant can take is to apply to the right lender. There is no point in seeking a $25,000 unsecured loan for bad credit from a lender that is known to charge high interest.The best place to go is online, where there are hundreds of independent lending firms that offer loan products specifically designed for those with poor credit ratings. Not only are large loan approvals more likely, but the terms of these loans are much better.Take the time to search online, using the comparison sites to find the best deals available. However, be sure to check what lenders attract the eye with the Better Business Bureau website. That way, the joy of getting an unsecured loan approved does not turn into a disaster.