There are a wide variety of personal loan lenders; some only work with borrowers who have good or better credit, while others work with borrowers of all credit profiles. In general, the worse your credit, the more you'll pay to borrow money (in interest and other fees). Applying with a co-signer can improve your chances of qualifying with good terms. See our picks for the best bad credit loans for a selection of lenders that work with a wide range of borrowers.