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Whenever Emergency Knocks At Your Doorsteps, Applying for Same Day Cash Loans Can be Helpful for youâ Do compare lenders for the best secured loan rates for bad credit and make sure they have a clean lending record at the Better Business Bureau. Forget about banks since you have bad credit. If you belong to a credit union, it is worth a try to call and ask for short term financial assistance. Otherwise, you can find legitimate bad credit secured loan providers willing to help you get a personal loan with competitive rates. Bluesky Auto Finance is not a lender nor do we offer auto loans. In fact, the majority of the websites you see on the internet that claim to help people with bad credit donât either. Many of them are misleading and some quite frankly fall within the boundaries of deceptive trade practices.