I need help getting a loan with bad credit! please give me some ideas

When you have bad credit the first step you must take when you want a loan is credit repair to boost your credit score. Follow the steps below and in 6 to 12 months you could improve your creditworthiness so you can apply for superior products which have better terms. Its not worth applying for a loan when you have bad credit because you'll end up on a higher interest or worse a lower credit score because you've made so many applications to credit companies who now think you are desperate for money - a red flag to lender.

1. Get a copy of your credit report
2. Analyze the report and fix any errors
3. Make sure you are on the voters list
4. Try to settle credit accounts in full if you can
5. Stop applying for more credit
6. Disassociate yourself from other people who have bad credit
7. Make payments 7 days before the due date
8. For first 3 Months pay 10% more than the minimum payment
9. For next 3 months pay 30% more than the minimum payment (10%, 30% work best)
10. Try to make a significant payment on the 11th month or pay balance in full
11. Keep bank account positive, do not go into overdraft
12. Do not apply for any financial products

If you can complete the 12 steps on the list above your credit score will surge over the next 12 months. The most effective steps are steps 8 and 9, following these steps helped to boost my credit score significantly. You could use credit repair companies but they charge a lot of money, if you can find a company that does a no obligation audit on your credit report it might help you to spot errors you might otherwise miss. Hope this helps.