Yes, you do have a problem with loaning and getting Personal Loans since you have a bad credit but never be hopeless. You still have these steps to take to get a loan even if you have a bad credit. Keep in mind that you should not give up, as the quotation says, “Try and try until you succeed”. Before proceeding to loaning agencies, know what kind of loan you will take. Is it a secured loan? Is it an unsecured loan? Third, you should know where to look for your loan. You have the closest people, your family and friends. Your employer can also be one. Some banks in your community can give considerations. Fourth step is to mind the application process. Be certain to bring relevant documents that can be used to prove that it is really you. Finally, make sure you can pay it back on the day of the deadline or beforehand.