Experts advise that you start with your local bank. Sometimes, those with less than perfect credit have better luck with smaller local banks because loan officers are able to consider individual circumstances rather than just a credit score. On the other hand, there are banks that are willing to lend money to those with less than perfect credit. For example First Premier Bank specializes in ‘sub-prime’ lending. If you do choose to apply for a sub-prime loan be prepared to pay higher fees when paying back the loan.