My friend uses a local Same Day Payday Loan place, which I've never done, only because I didn't have a paycheck, so I have some experience with taking her to do payments and such, and what they offer.
To be considered, you must have a steady source of income but your credit score does not matter. The interest rate depends on state (I never knew that before reading this site), and these should be used for amounts of $1500 or less. Otherwise, you'll need good credit and a personal loan through a bank. You aren't required to provide collateral or a co-signer for this type of loan, unlike other types, since they are secured by the fact you have a steady income.
