How do you get a loan with bad credit?

A person with 'less than perfect credit' can try to obtain a secured credit card. These cards can come with a couple of hundred dollars in fees but can help re-establish credit.

Time is a big factor in re-establishing credit.

If your initial application is denied, wait 6 months and try again. Remember that every credit card application can decrease your credit score so choose wisely.

Once accepted, use the credit card sparingly [charge small amounts] and repay the balance in full each month. This will help in creating a good repayment history.