> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Can I get a loan if I have a history of bad credit or previous loan defaults?

If they have accrued equity on their property, PADS will not turn away borrowers due to bad credit.