This is financial adviser Patrick Munro, talking about how to get a personal loan, with bad credit. Many times individuals do run up against credit scrapes in their life, and it has resulted in them having a lower FICO score, than a bank would allow, to achieve a loan, a successful loan on their own. The way to get a personal loan with bad credit, that is most effective, is to have someone come with you to the bank that has good credit, and they would co-sign on your behalf, thereby guaranteeing that repayment of the loan, while you of course, are the one in fact, making the payments. This is a responsibility that is significant upon you, because you are not only making a payment promise to the bank, but also to the co-signer, that comes in, many times as a friend or family member, so you must make those payments in a timely fashion, and eventually if the bank sees you making that forthright effort to do that, they will drop the co-signer from the loan, therefore, you've reestablished your credit. This is Patrick Munro, talking about how to establish a personal loan, with bad credit.