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If you are a person who has been denied a loan due to a less than perfect credit history, don’t give up.  There are lenders who are willing to take a chance on you and others like you, if you know how to find them.  Don’t be hesitant about applying for loans for bad credit history.  These are loans designed for people who have had issues with their credit such as being in arrears, blacklisting, or CCJs.  When an application is made it is handled by a broker who has access to hundreds of lenders.  The broker’s job is to find a lender who is sympathetic to applicants with credit problems.  Even though it is tempting, don’t jump at the first offer.  Compare APRs and get the best interest rate possible.  When you are approved for a loan, make the most of this chance to improve your credit history.