Getting a loan with bad credit can seem like an impossible task. If you have poor credit, the bank will not give you any money. There are many different options to consider, but the most viable seems to be payday loans. Payday loans are one of the best ways to get a loan even with bad credit because it does not require collateral. The only thing you need to do is provide the lender with your most recent pay stubs and banking information. Ultimately, it is doable to find loan rates for good credit, a line of credit, with good credit or no credit history.