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Can I Get a Home Equity Loan With a Sub-600 Credit Score? Having view it a shaky financial history, and subsequently a bad credit score, can hinder a lot of major life steps: buying a car, investing in property, opening a new credit card, and acquiring loans. Times can get tough for anyone, but traditional lending institutions need to see historical proof that you're willing and able to pay your bills on time before they agree to lend money to you. Oftentimes, your credit history will even dictate the quality of the loans for which you qualify, meaning the better your credit, the lower interest rates you can access. This system puts lenders at less risk of losing money, but can be frustrating for people who are in a financial…