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Usually, in the US, To bad credit personal loan borrowers, lenders provide an amount in the range of $5000 to $75000. But, you should borrow a lower possible amount in order to lessen the burden of repayment and also it helps in getting the loan at lower interest rate. There may be even more alternative strategies available, including those that don’t involve taking out a loan. Some employers, nonprofit organizations, and community groups offer advances or emergency credit. And don’t forget about help from family or friends. A: Candidly speaking it is very difficult to secure a private loan if you have a bad credit history and no cosigner. However you can always look for federal loans. These loans although have limited funds but are dispersed on the basis of financial need of a student rather than their financial history.