ilona titova/Getty Images It’s not impossible to get a loan with bad credit, but you’ll need to consider all of your options. Your credit score and your debt-to-income ratio can impact the rates lenders are willing to offer you, so you’ll want to know yours before applying for a loan. Borrowers with bad credit can consider approaching credit unions or online lenders, both of which tend to be able to offer lower interest rates than traditional banks. They may also want to consider getting a secured loan, or getting a cosigner to guarantee the loan. Sign up to get