> ## 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).

# What if I have bad credit? Can I still get a loan?

You could potentially qualify for a loan from PADS despite having bad credit if you have enough equity on your property.