Can you get a bad credit loan when self-employed? Yes, you can get a loan, but the process is slightly different. Around 44% of Americans are self-employed due to the benefits that it brings. However, self-employment seeks a different approach for those found in a challenging situation needing to borrow money. Keep in mind that many companies cater specifically to self-employed individuals with a bad credit score. In addition, we reveal more about these loans and the reputable companies that offer them.