When you have bad credit your options for a loan are severely limited. You do, however, have a couple of very reliable choices when it comes to fast personal loans. These aren't your traditional bank or credit union loans, instead they come from non-traditional lenders, but they will be able to help you out nonetheless.
It's important that you know that you will never find guaranteed loans for bad credit. No lender will ever be able to guarantee that you'll get approved for your loan, that's simply crazy! They do use this as a marketing/advertising tactic to get more people to apply.
The most common type of bad credit loan is a cash advance. These are small, short term loans that can provide enough cash to float you until your next payday. There are probably dozens of these lenders right in your city, and even more online. The key to using these loans successfully is to make sure that your lender is accredited before applying. Every lender in your city is licensed to lend in your state, but be sure to do some serious research before applying for an advance online.
Title loans are another option to borrow a much larger amount of money. These lenders require that you have a paid off car to use as collateral. There may be a credit check, but it's more to see if you've recently used title loans, rather than to disqualify you for having a low score. You will be able to borrow up to 50% of your car's value in most states, then have several months worth of biweekly payments to get it paid back.
Bad credit loans come in lots of flavors, but the two discussed above are the most reliable and fastest. Just remember that because you have options available doesn't mean you shouldn't take the necessary steps to repair your credit score!