Answer: -Without collateral nobody is going to give you a loan period. Even if you pay for someone's club membership you are not going to get a loan. They can make all of the promises that they want to but they have enough fine print to take your money and run and deny you a loan on a technicality. Or another trick that these guys use is that they will say, "You have been approved for the loan- We just have to find someone who will fund it. That can take anywhere from 10 to 90 days" and they keep stringing you along until you eventually give up. -If you don't have a bankruptcy try American General Finance. They are pretty leanient..especially for that loan amount. -It is not that hard to get a personal loan with bad credit history. What different easy fast personal loans for bad credit applicants are available? The most common type includes bank personal loans for bad credit. The bank personal loan for bad credit applicants is offered through different banks, as opposed to other financial institutions. You can apply for several different types of personal bad credit loans. The benefit of the personal bad credit loan is the fact that it is usually not as limited in spending as other types of loans. You can apply for the personal loan for people with bad credit and use the borrowed money for any goal that you set for yourself. Even the personal loans for people with bad credit can be of different types. The most common loan type includes unsecured personal loans for people with bad credit. If you apply for the bad credit unsecured personal loan, you will not have to sign a collateral agreement that would force you to sell collateral property if you default on the unsecured personal loan for people with bad credit. Bad credit unsecured personal loans are somewhat harder go get but are more beneficial then secured loans. Whether applying for secured or unsecured loan, you will need to fill out an application for easy fast personal loans for bad credit applicants. If you are a resident of US, you should start by applying for poor credit personal loans using the bad credit personal loans US banks’ application systems. Depending on how bad your credit history is, you may have to choose whether to apply for a poor credit personal loan or a really bad credit personal loan. What is the difference? With the second type of loan you will have to pay larger interest on the financed amount. However, in some cases you might even be eligible for a free bad credit personal loan.