Posted Monday, April 27, 2026 9:00 am Yes, there are hardship loans for people with bad credit. Many lenders and loan types rely more on factors other than your credit score, including whether you can offer collateral, how much money you need, and whether you have a stable income. The best way to find out your options is to start asking questions. Find out what loans might work best for you, then check lenders’ rates. Don’t submit a full application during your research phase, though.