One way to persuade a loan company to make you a bad credit loan is to offer to consolidate all your debt into one loan.

Often this is a good plan. The advantage is that you will have one debt repayment instead of many. Another avantage of this plan is that your monthly payment will often be lower than what you were paying out before.

Pay attention to the fees when considering a debt consolodation loan. Some companies charge a very low upfront fee, but then soak you on the back end with high interest rates. Other companies have high upfront fees, but offer a interest rate that is lower.

The lower interest rate might just make the high fee loan less expensive in the long run.