If you have bad credit and you need something, you may have to seek assistance from bad credit lenders. Bad credit lenders are companies that will issue loans to people who have sub-par credit scores. These lenders issue auto loans for bad credit, personal loans, and other products that consumers need to get by. You might have to talk to a bad credit lender if you’ve had trouble getting financial products from traditional lenders. However, you need to know some of the secrets that such lenders don’t want you to know about their practices and procedures.