It is true that having bad credit ratings to your name used to kill off the chances of getting a meaningful cash loan with good terms. The idea was that bad credit meant poor money management, so lenders were not willing to trust them. But the economic crisis of a few years ago has changed matters, and these days it is possible to get $5,000 personal loans with bad credit.
The trick to this miracle is partly that lenders are more aware of exactly what a low credit score means, and partly down to the growth of the online lending industry. And, in many cases, the benefits of fast loan approval, competitive interest rates and flexible repayment schedules are available to bad credit borrowers as well as good credit borrowers.
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