When you are applying for signature  loans, potential lenders will check your credit score to see if they are willing to loan money to you.  Before they loan money to you, lenders must have a reasonable expectation that you will have the wherewithal to repay your loan.  They determine this by looking at your credit score, also known as your FICO score, and checking to see if you have had a history of missing payments on your obligations.  These obligations include, such things as debts and monthly rent and utility payments.  If you have a bad credit history, it is less likely, but not impossible for you to get a loan.  You may still be able to get an unsecured bad credit signature loan.