Credit issues during the last seven years make it a lot harder for you to borrow money. "I have bad credit but need a loan" accurately summarizes your current financial position. Unless you're a homeowner with sufficient equity, a job, and can prove affordability, applying to a bank is usually a waste of time.

There are a variety of secured and unsecured very bad credit loans available for people who've been rejected elsewhere. Rather than relying on credit scoring, lenders are more interested in determining your identity and ensuring that you're in a position to repay the money that you've borrowed. It's remarkably easy to get the money that you urgently need.

I Have Bad Credit But Need a Loan: Where Can You Borrow Money with Poor Credit?

Payday stores: Are you a U.S. citizen, over 18, in full-time employment, and a person with your own checking account? If so, you can get a quick payday loan for up to $1,000. Once approved, the money will be sent to you by bank transfer and will arrive within a maximum of 24 hours.