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Copyright © 2012 PaydayLoanLendersReviews.com You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. 1000 Credit Installment Loan Another simple way of getting approved for bad credit loans is by using a consigner. The consigner can be someone close to you whose credit is good and he will assume the responsibility of being your guarantor. The consigner will agree to be held responsible in case you fail to repay the loan as agreed. The consigner must be someone you trust and whose credit rating is good.