Nowadays consumers need all of the help they can get.  Inflation is at an all time high, and so is unemployment.  People who used to have impeccable finances are now finding themselves suddenly amongst the ranks of those with extremely poor credit.  That is why right now is a time when Bad Credit Loans can really help the consumer.   Consumers need to be able to borrower money, but their credit ratings are holding them back.  They also need to get financing to help them re-establish their credit ratings but cannot do it without loan payments.  But, a bad credit loan understand from the get go that those ratings are not good and so it does not usually keep a person from getting approved.