How can I get a loan with bad credit to my name?

A poor credit rating is caused by a failure to comply with the terms and conditions of your credit agreements. If you do not pay when you are obligated to do so, the matter is report to Experian, Equifax and TransUnion. If you have been declined for credit by your bank, there are adverse loan and mortgage lenders who will approve your application.

Where can you borrow money with adverse credit?

Pawnbrokers
A pawn shop will lend you money based on the provision of collateral, such as gold, silver or jewelry. The item is professionally assessed and you will be able to borrow 40% to 50% of the available equity. It does not matter if you are unemployed or do not have your own checking account. Provided that you can prove your identity, acceptance is guaranteed. Payday stores
If you do not have any collateral, you may be able to get an unsecured bad credit score loan from a payday lender. You will need to be an American citizen, over 18 years old, be in full-time work, have your own checking account and be able to provide two forms of I.D. You will not be paid in cash, but the money will be transferred to your checking account within a maximum of 24 hours. Loan against auto title
Provided that you have cleared all finance on your vehicle, you are able to use your car as collateral for a poor credit history loan. Your car's value will be assessed and a payment made based on the blue book value. You'll be expected to provide a copy of the auto title and a duplicate set of car keys. Subject to the availability of equity, you may be able to renew the agreement. Mortgage refinance with poor credit
Subject to the availability of equity, you can borrow money against your home. You could use this money to consolidate debt.

How much are bad credit history loans?

Cost of an adverse credit loan
You should expect to pay up to 25% per month for an adverse credit rating loan. Rates vary, so it's in your best interests to compare rates before submitting your application. Low credit mortgage deals are far more competitive than a fast cash advance. However, you'll pay substantially more than you would have done if you had a good credit history. What happens if I default?
If you default on secured adverse credit mortgages or a loan from a pawn shop, you stand to lose your collateral. Defaulting on a payday cash advance loan won't cost you an item of value, but you'll accrue additional interest and charges. Your account will also be assigned to a collection agency and they'll attempt to recover the money from you.