Having a bad credit is not the end of the world, altough you may be thinking that's impossible to get the money you need. So, you're credit history "does" not let you get any loans, what can you do? Let me tell you there are many ways in which you can pass this limit, there are many people having a small credit score that does not let to get loans. It's normal for a lender not to give you any money if you're known for not paying at time or not paying at all - a low credit score is showing your ability (as a debtor) to make the payments. The only way to get something is to turn to very bad credit loan options in order to make something real. Remember that you will almost never get some loans from a conventional lender - conventional lenders are afraid that you're not going go pay back the money and therefore they're not going to give you any money - it's easier. With the current economical situation is harder, even impossible for some of us to get a loan with very bad credit. 

   One of your options is suprime lending - loans for hight risk borrowers that do not have a perfect credit. Suprime lenders are going to work with you, this is for sure. 

   If you have a very bad credit you can use an unsecured loan - this means that some lender is going to give you the loan and it's not going to take any collateral for this. In this case the risk are even bigger - you're not only having a bad credit score (meaning that you're not old with no payments or late payments), but the lender could also remain without the money being no collateral. 

   In this case there are two main things that happen: you can bet there are less lenders that are going to give you some money and in the second place the interest rate is going to be bigger because the lender is at risk and it has to get some money while you still pay something to him. Be sure you make the best decision and check every option you have before going to take some loans.

   In this case you're going to get some money from the lender but you have to offer something as a collateral - something like an automobile, house - something that the lender could take from you and sell if you don't pay your money, for the lender to get the money back from you if you don't have enough to continue paying. People who need money now and are refused by the lenders for unsecured loans and also having a very bad credit, could be getting to secured loans in order to get something. 

   The interest rate could be less than unsecured loans - because your lender is sure that it's going to get the money from you, even if you don't continue to pay your money, so the risks are not so big. The lender can sell your security deposit - collateral, and then get the money back from yourself, so you have to be careful if doing things like this. In most cases lenders can be banks and perhaps there could be more like this that are willing to have a collateral from you and give you some loan, even if you have weak credit. In the end you could get the funding you need but you have to carefully play all the options and choose around them in order to be sure you're not going to loose more - a real estate, for example. 

   Be sure you're willing to improve your credit score in order to be sure that in the near future you could get some money from conventional lenders and you won't have to be refused so many times. There are many people passing through very bad credit and searching for options, but in my position the best is to improve your credit score.