Seriously you either have to have good credit or collateral to get a loan. Period. Collateral means something of value they can keep or take if you don’t pay that helps protect the lender from losing all their investment.

The closest thing to money without credit or collateral is a payday loan. You can find them by looking in the phone book.

But before you do, realize the fees are so steep that many who use them end up owing a lot more than they borrowed. Some states are trying to pass laws to put them out of business because the fees they charge are so high, and the people who use such services are the ones who can least afford it.

A payday loan still requires you have a job and I’m not sure how they secure it, but I think they get your next check. I’ve never used one. Never will.