It would be best if you have someone to co-sign you car loan contract. When the lender sees that you have co-signer ready, he knows that his risk will be substantially reduced. This increases your chances of securing guaranteed approval and affordable interest rates.Be prepared to offer collateral if the only way you can get a personal loan is to have it secured. While it is best not to secure personal loans because of the high risk, it may be your only option if you are in a situation where you really need the loan. Collateral can be a vehicle, property, or other asset that is legally yours. If you default on the loan, remember that you will lose that collateral as well.Landlords do not want to run the risk of having to go through the costly expense of evicting. They could incur court and attorney fees as well as lost rents. So if you want a place to lay your head at night, and not the local curb, rebuilding credit should be up there on your high priority list.