Are you sick of hearing no when you try to get a loan? Is your credit much less than good and you really need a loan? I am here to tell you how you can get a loan, no matter how bad your credit is.

There are a few specific steps you need to take to get approved for a bad credit loan. This all depends on how much you need and what you need it for. If your credit score is below 500 it will be hard to get a loan other than a payday loan, but there are options.

Most loan companies what to see that you have a positive trade on your credit report that is at least 6 months old. This could be a credit card, a car, a student loan, or any other type of loan that you have paid on time.

If you have this you can usually get financed through a company like American General. If you don’t you can still get financed it is just harder and much harder to find the lenders. For some reason bad credit loans are very hard to find, but they do exist.

There are a few tricks that you can try too. If you own a business, you can build business credit and use your business to get the loan you need. If you don’t have a very high debt-to-income ratio, then you can try a company like Prosper.

I even got a loan to help catch up my child support, during a really rough time from a private party. I simply ran a small classified in the wanted section of the Sunday paper for a month and hoped for some calls. One gentleman out of 4 was willing to loan me the money.

So as you can see there are always options, sometimes you just have to get extra creative. Try one of these options, and you might just find that it works out really well for you.