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Some of the Personal Loans lenders take advantage of their clients’ financial problems.  Therefore, there are so many scams consumers are not aware of.  People with bad credit can have serious problems.  For instance, lenders can tell them that because of their bad credit history, they are going to need a pre-payment, which is a scam.  These personal loans lenders understand that consumers with bad credit are vulnerable and they take advantage of this.  Furthermore, when you have bad credit, personal loans lenders will impose higher interest rates.  Anyway, keep in mind that reputable lenders will not ask for any sort of pre-payments.