Many companies such as ours advertise accessibility to loan products when you have bad credit. What does that really mean and how can you best ensure success in obtaining a loan?

Unpaid finance/bank defaults are still not looked upon favourably in the industry. There are always exceptions to the rule; however most lenders do not like to lend money to someone who has failed in the past to meet their commitments for other loans/leases/credit cards. If these are paid then this demonstrates to the prospective lender that you have still taken responsibilty for the debt.