If you recently have had a hard time getting a loan, you're not alone.

Since 2007, most banks have become too skittish to lend to people with less-than-wonderful credit scores. What's more, many people's credit scores have suffered as a result of the housing bust, financial crisis and recession.

But it is easier to secure a loan in some states than in others. CardRatings.com, a financial education website, crunched the numbers and found out where it is easiest and most difficult to get a loan. Unsurprisingly, some of the states where it's hardest to get a loan were hit hardest by the housing bust and recession.

Check out the worst and best states to get a loan below:

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  • 5th WORST: California

    California is the worst state for foreclosures, and unemployment and bankruptcy also are severe problems, according to CardRatings.com. State unemployment rate in July 2012: 10.7 percent (Labor Department).

  • 4th WORST: Arizona

    Arizona has the second worst foreclosure rate in the country, and many Arizonans also have low credit scores, according to CardRatings.com. State unemployment rate in July 2012: 8.3 percent (Labor Department).

  • 3rd WORST: Florida

    Many Floridians are stuck in foreclosure, delinquent on their credit card debt, unemployed, bankrupt, or have low credit scores, according to CardRatings.com. State unemployment rate in July 2012: 8.8 percent (Labor Department).

  • 2nd WORST: Georgia

    Georgia is one of the worst five states in unemployment, bankruptcy rates, average credit score, and credit card delinquency rates, according to CardRatings.com. State unemployment rate in July 2012: 9.3 percent (Labor Department).

  • 1st WORST: Nevada

    Nevada has the worst unemployment rate, personal bankruptcy rate, and average credit score in the country, according to CardRatings.com. State unemployment rate in July 2012: 12.0 percent (Labor Department).

  • 5th BEST: Iowa

    Iowa has a lower than average unemployment rate, lower than average credit card delinquency rate, and higher than average credit score. State unemployment rate in July 2012: 5.3 percent (Labor Department).

  • 4th BEST: Montana

    Montana has above-average credit scores, fewer personal bankruptcies, fewer foreclosures, and less delinquent credit card debt than other states, according to CardRatings.com. State unemployment rate in July 2012: 6.4 percent (Labor Department).

  • 3rd BEST: South Dakota

    South Dakota has better than average employment and credit scores, according to CardRatings.com. It also has fewer personal bankruptcies, fewer credit card delinquencies, and fewer foreclosures. State unemployment rate in June 2012: 4.4 percent (Labor Department).

  • 2nd BEST: Vermont

    Vermont was second best in the country in the foreclosure and personal bankruptcy categories and was above average in the other three categories. State unemployment rate in July 2012: 5.0 percent (Labor Department).

  • 1st BEST: North Dakota

    North Dakota "may be the best-kept secret in the country," CardRatings.com says. It was the best state in three categories, including unemployment, and fourth best in the other two, according to CardRatings.com. But remember that if you move there, you would have to live in North Dakota. State unemployment rate in July 2012: 3.0 percent (Labor Department).

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