I have had a few loans in the past. I personally went for personal loans but if you have bad credit you have to get one of the secured loans. Getting a loan has gotten a bit easier over the years and it seems like if you have a job and a home then you can pretty much get a loan. I was planning on barrowing money from my home to buy a new business but it got messed up right before I bought it. Right now loans have a real low interest rate so there has never been a better time to borrow than now.