Financial advisors almost always suggest that having a good credit score is the only way to secure personal loans. However, those who already have poor credit scores and need personal loans urgently may find it difficult to improve their scores overnight. The good news is that with the right strategies, those with bad credit reports can get their personal loans approved. So, here are some ways to secure personal loans with bad credit scores: 1. Get someone to co-sign the loan The one who co-signs a loan promises to repay the loan in case the lender cannot do so. If the co-signer has a good credit score, lenders may approve the personal loan. One can consider asking trusted friends or family members to co-sign the application. 2. Correct errors in the credit report Sometimes, the credit report may have errors, which may lead to low credit scores. An incorrect outstanding credit balance or a wrongly credited loan are some of the common errors here. So, before applying for a personal loan, one should check the credit report carefully and get any errors corrected from the bank. 3. Find a co-borrower Having a co-borrower can increase the chances of loan approval.