READ MORE Four reasons why to trust SouthWest Engines Got a bad credit rating? This happens for all types of reasons, especially with the current financial situation of the country. Your bad credit can often prevent you getting the monthly installments on insurance that you need. You’re left either not getting a policy or you have to end up in more debt to cover it. There’s no need to worry when it comes to Young America. Those with poor or no credit can still get access to the monthly payments. You also won’t have to pay a ridiculous amount in interest just because you’ve been in a tricky situation financially. Let’s face it, young Americans have no credit because they’ve been previously too young to get said credit. Why should you be penalized because of that?