According to America’s Debt Help Organization, people with bad credit can get loans from credit unions, friends or family, through home equity loans or a co-signer, and via peer-to-peer lending. Bankrate also recommends institutions with which people are already customers.
Credit unions, particularly those that are community-based or profession-based, may not judge a person solely on past bad credit and may look more to a person's character and income stability. Borrowing from friends or family runs the risk of damaging these relationships, and contractual safeguards can help provide some peace of mind for the lender. Peer-to-peer lending enables people to find loans online from individuals who may have non-traditional standards.