Do you have someone who could cosign the loan? You may qualify for a higher loan amount or better interest rate by adding a cosigner. Just remember, their credit could be damaged if you have trouble making payments on the loan.Are your credit scores low because of credit cards? Your credit utilization ratio measures how much available credit you’re using, and when it’s high, your scores can drop. But installment loans (like personal loans) don’t directly impact your credit utilization ratio. Using a bad cre ...