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If you’ve been denied in the past, you’re likely applying for the wrong types of cards.

Below are five of our expert’s top-rated credit cards, some even offering 1% cash back on gas and grocery purchases — just be sure to pay your balance in full each month.

But in the future, better credit can make it easier to not only get the loan, but also get you better interest rates — meaning the loan will cost you less overall.

Once you submit your loan request, Bad Credit searches its lender network to match you with a lender that can work for you.

In order to qualify to apply for a loan on Bad Credit Loans.com, you’ll need four things: Variables of the loan itself such as interest rates, the length of the loan, and any fees involved depend on the actual lender who approves your application. Below is an example of a personal loan annual percentage rate (APR) range: Bad Credit does not charge any fees for using its service. Funds can be deposited into your account as soon as one business day after your application is approved.

While a credit card may seem like a stretch, it actually isn’t.

There are numerous credit cards available to people with poor credit.