by 
The Curious Bag
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Bad credit can happen to anyone, such as from a medical emergency that might cost much more than you have. You can usually borrow money even with bad credit, but consider the effects of taking on more debt.
Considerations
Getting a loan when you already have bad credit proves difficult, no matter what. A poor credit score might mean paying "subprime" (higher) interest rates. Scores below 500 may disqualify you for a loan all together.
Best Option
A personal loan might be the best option for a borrower with a spotty credit history. Payday loan companies generally do not perform a credit check, but require a social security number and a pay stub.
Limits of a Payday Loan
If a payday loan seems like your only option, know that the typical upper borrowing to these hovers around $1,500.
Other Option
You might also look into a secured credit card, which means you put up collateral on the credit line. However, the collateral can vary from the full amount of the credit to a small down payment with yearly fees. These cards are more useful for re-establishing credit than than for immediate money.
Tips
Whether you borrow at the $1,500 payday limit, or have another outstanding loan, make sure you have a plan to repay your debts and rebuild your credit into good standing. Not paying back personal loans will further destroy your credit.
Source:
LeaseGuide.com; Bad Credit Car Loan or Lease
Rebuild.org; Taking Personal Loan for Debt Consolidation?
CustomerCreditCards.com; Where Can I Borrow Money with Bad Credit?
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