In the US today there are many lenders that are re-entering the lucrative area of sub-prime finance. The traditional credit scoring and past history is again less important but in it's place just resides the proof of the borrowers ability to repay.
If you are looking to unlock cash but you are one of the many with a bad credit history don't dispare, there are hundreds of lenders who will accept and approve your application
Improvements in credit markets have lowered interest rates for even people with a bad credit history.