There are more avenues to persons who require finances quickly but do not have the right borrowing file to get credit from the traditional building societies. There are loans named instant loans for bad credit and as the label indicates the providers of these allow low credit people. This is good news yet again the APR may be a bit on the hefty side. There are some bad credit loans which carry fantastic features such as a credit builder feature. In other words you may better your credit report based on your good performance on this loan.