Try provident, apr is high, but jsut pay them weekly / monthly when they come round. Short term fix tho, not a long term one. there's load's of payday loan places on the net, payday bank advertises on farmville ffs If you have a bad credit rating no bank will touch you. There are loan companies that will charge you a brokers fee to find you a loan, put you may as well put 60 of the queens english pounds on the floor and piss all over them.