Where can I get a decently low interest rate loan while being a college student with bad credit?



Answer:
it's impossible to have a good rate with bad credit.

But you'll find a loan !
try bankrate.com or lowermybills.com
Unlikely to happen. Maybe if you have a cosigner with good credit, but I still even doubt it then.

Your only chance is to get a student loan through the government. There are few, if any, conventional options available.
You can't. College student (probably no or next to no income)... Bad credit.

Why would anyone lend you money at a low interest rate ?
What is the loan for? You may want to try a local credit union. They tend to have low interest rates -- with some requirements (ie: have an account with them). I'm not sure how a credit union would handle a bad credit situation -- that might hinder your ability to secure a low interest rate loan.
Sorry Dan...It ain't gonna happen.
Federal Student loans do not require a credit report. However, if you're wanting a bank loan, ain't gonna happen.

No income + bad credit = tainted goods.
you can't. you can try to get a loan from providian or beneficial but it ain't going to be low interest.
The student loan thing is probably a good bet if you can get it, as well as some of the other options that other people have mentioned.

One thing you should consider doing for the long-term is working on improving your credit. Good credit is something that will help you in many ways; bad credit will haunt you when you try to buy a house, finance a car, etc. With bad credit, even if you can get a loan, it won't be low interest, so things will cost a lot more.

There are a lot of resources on the net that talk about how to improve your credit - a simple "improve credit" search will reveal many. Two of the most important points in my experience, in improving my credit, were to start living within my means so that I didn't generate more bad credit, and trying to clear up the bad credit that was already on my files. Also, having a credit card or loan of some sort and paying it on time every month will go a long ways to improving your credit. But only if you are able to not spend more than you bring in each month and run up yet more debt. After that it is mainly a matter of time.

good luck!
http://www.wesayes.com
what they specialize in
You probably won't be able to get one by yourself. You might need a cosigner.
You can get this card

http://blog.360.yahoo.com/blog-b390yi45f...