If you have ever had bad credit, then you will certainly have a hard time getting a loan most likely.  You may have to get a credit repair debt consolidation loan to help you rebuild your credit and allow you to get back on your feet. This is a great way to do so without losing your peace of mind or your sanity.  This can be a gret way to pay all your bills at one time as well.  If you try to do so, then you will have a much greater chance of paying them.