There are several ways to get online loans that can suit both borrowers with good and bad credit. For example, you can add a co-borrower to your loan application, which allows you to improve your qualifications and get better terms, such as a lower interest rate or a larger loan amount. However, it is worth remembering that the co-borrower assumes certain obligations and is responsible for the loan amount and all related fees, in case you fail to pay back the debt on time.