People who have a bad credit rating that need to get access to money in a hurry have got a problem because it can be almost impossible to find a lender who is willing to give them what they need. The reason for this is easy to understand, if you have shown you are unreliable with cash in the past, there is no good reason you won’t be just as bad in the future. And since lenders are in the business of wanting to get their cash back with interest, they will usually want some sort of guarantee that you are going to be able to finance your debts. » Read more: Secured Loans For When You Can’t Get Credit