So, you need a loan and your credit is less than perfect. Is it even possible to get one? The short answer is yes, but it may not be easy.
Your best option is to apply for a share-secured loan or share-secured credit card. These types of loans hold funds in your savings account as collateral against the amount borrowed. Even though you are using your own money as collateral, the loan will still report to the credit bureaus and help to build credit.
You may be able to get a loan with a qualified co-signer. An ideal co-signer is someone established with good job time and residence time, and good payment history with their creditors. When using a co-signer, it’s important to make on-time loan payments because your decisions will directly affect your co-signer’s credit.