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If you need 2000 dollars fast, your available options for getting this money depend directly on your credit score. It’s common knowledge that if your credit score is terrible, you can’t really just walk into a bank and get a low cost personal loan. Another bad thing about getting money from a bank through traditional means is that you might have to wait a while to get your money when you factor in loan processing times. Fortunately, there are a few ways to get your hands on a $2000 loan even if you have bad credit.

How to Get a $2000 Loan – No Credit Check

Instead of using a traditional bank that will check your credit score before giving you a loan, you can try to borrow money from lenders offering unsecured loans for bad credit. Instant decision loans are also a possibility with lenders like these, which means you may be able to find out whether or not your loan app is approved within minutes after applying. A place like this will be very likely to give you a $2000 loan regardless of your credit score. The only thing that may be necessary to have before getting your money is a job. Bad credit lenders don’t care about your credit, but they often do care about your employment status because this can greatly impact your ability to pay back the money you owe.

I Need 2000 Dollars Fast, and I Don’t Have a Job

If you don’t have a job and you also have bad credit, your options for getting $2000 are a lot more limited. It’s possible to find lenders who will work with you regardless of your credit score if you’re employed, but it’s a lot harder to find lenders who will give you the time of day if you have bad credit and are also unemployed. You’ll need to start researching places that offer quick loans for unemployed people. Places like this are out there, but you should exercise caution before getting a loan like this. Some of these places are incredibly shady and might charge you more interest than what is legal. You can visit FindLaw to determine the legal rate of interest in your state. Advance fee loan offers might also be tempting because they often claim to be willing to extend credit to unemployed people for a fee, but the Federal Trade Commission recommends avoiding these loan offers because they are usually fraudulent.

Using Collateral and Getting Cosigners

You can use anything of value that you own as collateral for a loan. It may even be possible to get a $1500 loan or more depending on the valuable things you own. Loans like these are considered secured, and some types of secured loans are attainable regardless of your credit score or employment status. Another option to consider is getting a cosigner. Friends or family with good credit might be willing to stick their necks out for you and sign on a loan if you’re seriously in a tight spot. If you have a cosigner, you might even be able to get a loan from a more traditional lender, which means you could potentially avoid being charged extremely high rates of interest.