If you have bad credit, getting a loan can be very difficult. Lenders don`t trust that they are going to get their money back if your credit score is bad and they aren`t likely to lend to you. If you don`t have cash and you have an emergency, you are going to be in trouble. One way to get emergency money is to get a bad credit loan. Bad credit loans fund fast and you don`t have to endure a credit check.