There are a lot of ways that you can get loans for people with bad credit borrowers. While many banks and credit card companies are reluctant to offer loans for people with bad credit, a lot of the time you can find people who are willing to lend to you. For example, you may be able to take a loan out from your local credit union.
Alternatively, there are cash loan companies that specialise in high risk borrowers. Again, these can be a very good option for you since they will lend you a small amount of money at the time when you need it the most, so that you can fix a broken down appliance, repair your car or pay an urgent bill, then look to get back on your feet.
Loans for people who are considered a high credit risk will be much more expensive than the same loans for people who have a much stronger credit history, unfortunately. For this reason, you should try not to borrow unless it is a real financial emergency. Focus on paying off any debts that you have, and look to get back on track with your finances, then you will be able to rebuild your credit rating in the long term, giving you access to lenders that are more likely to charge lower interest rates and have more friendly policies.
Never borrow unless you are certain that you can pay off the loan. Only borrow small amounts at a time, and try to pay off the highest interest rate borrowing first. Make sure that you never miss a payment, because every time you are late paying you put a fresh bad mark on your credit file, which will take up to six years to drop off it, making it harder for you to get credit in that time.