Someone with bad credit can work with a credit counselor or directly with lenders to find these types of loans. Bad credit lenders can be contacted without an outside source, but a person stands a better chance of finding affordable rates if they use a professional service or counselor. Counselors can even suggest a variety of ways to bring your credit score up a few points in a short amount of time to help get a better loan. If your credit is so bad that nobody wants to work with you, your only option might be a subprime lender. Subprime loans tend to have very high interest rates and it will most likely require a person to put their home up as collateral. Depending on your situation, you might be better off without a subprime loan due to the excessive requirements. There are many options – be sure you fully understand what you’re getting into.