When it comes to finding options for home loans for folks with bad credit VA loans rarely make the list. Most people don't think about VA loans as being for people with bad credit, however, as you will see in this article, VA loans for those with bad credit are actually easy to qualify for as long as you meet their criteria. The current state of your finances will also play a huge role in whether or not you can get a VA loan. Before we dig into this, however, understand that the VA not only offers multiple programs but they also offer ‘work arounds’ if you don’t quite meet the criteria in certain areas. I’ve never heard of a bank offering any kind help like that.