Can You Get A Personal Loan With Bad Credit? If you have bad credit, you might be able to get a personal loan, instead of applying for a credit card or a payday loan. There are many service providers, such as Zipploan or Cashadvance, that can help you. A personal loan can allow you to manage your stream of payments more easily. You will be able to pay in equal, predictable payments every month, which you can budget around. You…