Is there anyone who actually lends to people with horrible credit?

Yes, but the transaction of business with such lenders is not advisable. Such businesses are referred to as "predatory lenders", meaning they loan money to persons who are somewhat desperate at maximum interest rates, with many added fees, and penalties. The agreement will usually include stipulations that the lender can seize the debtor's property without due process if the borrower commits a breach of contract by defaulting on the agreed terms. Please be advised persons dealing with such businesses have forfeited vehicles and in some cases homes for a debt owed that was significantly smaller that the fair market value of the property used for collateral.