 TITLE: How to Get a Loan With Bad Credit CONTENT: Alternatives to Loans When You Have Bad Credit\n----------------------------------------------\nIf you're having trouble getting approved for a loan and you need money right away, you could also look for alternative options.\nRather than getting a small loan from a lender, a friend or family member may be able to offer help. Or, a creditworthy friend or relative may cosign on a loan, which could increase your chances of qualifying.\nYou could also ask your current creditors to temporarily pause or lower your payments—freeing up money for your other needs. There are different types of debt counseling and financial assistance programs, although availability can depend on your specific situation. END