I have terrible credit because I chose to make one bad financial decision after another when I was in my twenties.  I thought tons of clothes, shoes, and fun trips were more important than financial stability.  I was so wrong and I’m now paying for it.  I hit rock bottom last month when my car completely died.  After visiting several car lots and being rejected by them all, I thought it was hopeless.  Then I went online and found loans for people with bad credit.  It took less than a day to find a loan that would allow me to purchase another car.