Being financially challenged, or in credit shambles, doesn’t mean creditors should approach you by disparaging your situation. Financing options for those with credit blemishes are available in the form of bad credit loans or mortgages, depending on where you currently are in your housing situation. For those with homes free and clear, getting these loans only takes your current dwelling as your collateral. If you’ve got time, you can work with lenders to remove questionable items from your reports, or simply have them paid in full before requesting financing. With an increased number of creditworthy customers becoming bankrupt, bad credit loan options are growing in demand across the world.