I do not have any personal experience in this area but there are legit companies that offer personal loans for people with bad credit, whether they are licensed in your state I do not know.
The two I am familiar with are American General Finance, part of the AIG group, and Beneficial, part of the HSBC group. Each of these companies offer online personal loans as well as local branch offices.
I would not recommend it, but if you are in a pinch for fast cash there should be a cash advance business in your area such as check and go. With these services you borrow a small amount until next payday, or the next few paydays.
