A bridging loan with bad credit is a short-term loan option for people who have a poor credit history. It helps bridge the gap between buying a new property and selling an existing one, or securing funds quickly for other needs. Even with bad credit, you can access this loan, but it might come with higher interest rates or stricter terms. The loan is usually secured against your property or another asset, reducing the risk for the lender. It's important to carefully consider the terms and repayment plan before taking out a bridging loan, as failure to repay could lead to losing your property or other assets.