It can happen, but bad credit is costly, and from the lender's point of view, it isn't so much a matter of whether it can happen for you - that you get the loan - as it is a matter of whether they can count on getting paid.
So, therein lies the rub. You're looking to borrow money when you've had problems paying it back in the past. This will cost you.
Ideally, you'd wait until you've fixed your credit, but there are lenders out there who are willing to lend you money, just not on the best terms.