To get a $35,000.00 loan with bad credit you can try getting the $35,000.00 loan through lenders like Best Egg, Upgrade or Avant, which are lenders that work with people that have bad credit.
Best Egg is a loan company that often approves people with bad credit and requires a minimum credit score of 600 with interest rates starting from 6.99%.
Upgrade is a loan company that loans up to $50,000.00 with a minimum credit score of 600.
And Avant is a loan company that loans up to $35,000.00 and works with people who have it scores as low as 580.
As long as you have the required income and debt to income ratio then you may qualify for these loans.
If you're still having trouble getting $35,000.00 loan with your credit score, even through these companies then you could have someone with a great credit score to cosign the loan with you.
A creditworthy person can help you get approved for the loan on better terms by cosigning the loan with you.
Although that person would also be responsible for the loan if you fail to pay.
Credit Unions are also sometimes more flexible than some other lenders and even lenders like Discover and SoFi may qualify you for the $35,000.00 loan.
Paying down debt and reducing your credit utilization ratio can also boost your credit score and also fix any errors on your credit report and considered services like Experian boost to build credit from utility payments.
You might also use your car as collateral or something else you own as collateral for the $35,000.00 loan.
Or get a home equity line of credit if you own a home, which can provide you with better loan interest rates.