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Having bad credit will certainly prevent you from obtaining a personal loan from a bank or other such institution, but it does not need to stop you getting money from one of the many private bad credit lenders available. There are many different types of loans aimed at people with bad credit, but they will all be slightly different from the high street lenders that will turn you down. Private bad credit lenders will either apply higher charges to compensate them for their increased risk, or they will offer different types of loans that do not depend on a credit rating to offer security.
If you want to get a loan quick there is no faster type of bad credit lender than a payday loan provider. Payday loans are specifically designed to provide really fast cash advances and the best lenders can get money to you within an hour or so of applying. They do not normally depend on credit checks at all, because they are always for a very limited time and never for large amounts. Unlike a normal personal loan provider, the payday loan lender does not need to know that you can keep up with regular payments for years on end. All the payday loan lender is interested in is that you have a job where your monthly pay is more than the amount you have borrowed.
By keeping payday loans to fairly modest amounts of money which have to be paid back quickly, this type of private bad credit lender is able to keep the information they require fairly simple and therefore have a very quick process. All the best payday lenders have totally online systems now where you just complete a simple form to find out if you can get a loan. You will normally get a response almost immediately and can then finish the process online by simply agreeing to the terms offered. One of the big attractions of this type of payday lending is that the good lenders offer a full service 24 hours a day, seven days a week.