You can avail of the many instant personal loans that lenders offer online. You can even do so if your financial report shows that you have a bad credit rating. Traditional lenders like banks cannot however guarantee that they can give you one especially when your credit score isn't that good. Thus, you might have no other choice but to go to these modern lenders and see how you can avail of the loan.
You may want to try other options though before you take out a loan from an online lender. You can try selling stuffs online or apply for freelance jobs but it might take too much time to earn from these options. Or if you have relatives or friends who can readily lend you money then do so. Be careful however not to strain your relationship with them by paying out the money as agreed. If you don't want to go through all the fuss then go online and find a good and trustworthy lender by joining forums or social networks and ask around.
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If you really think this is your best option, then login to the lender's website and fill-up the online loan application form. You may be asked to submit some documents like your proof of income or employment to show that you have the capacity to pay the loan and a proof of your bank account or checking account where the lender can directly take out the payment of your loan through a post-dated check. You only have to wait for a few hours and you are guaranteed approval. Within hours, the loaned amount will be in your bank account, ready and waiting for you to pick it up.
The only downside of these quick decision loans is that it usually comes in a very high interest rate. This is not only because the application process is fast and convenient, but also because lenders find it necessary to protect their investments by charging above 25%. It's not surprising though, you have a bad credit rating and you didn't have collateral to the loan, so the loan is unsecured and of high risk. No other way for the lender to earn but charge you high. But if you really need the money and think you can put up with the interest rate, then go for it.
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