Finding the right lender for your personal loans can be tough enough. But if you have bad credit then it puts things in a whole different category. For those that are getting personal loans and have bad credit then you should read this. There are several things to look at before applying for bad credit peronal loans. If you have bad enough credit then you will most likely be not be approved by every major lender and most minor lenders. They will deny your personal as well as your mortgage or home loan applications. This is especially true after all the problems that we have had in the USA with forclosures and lenders tightening their standards. Here is the good news.