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To most folks with a poor credit history, it seems unlikely that they could manage to land a personal loan of any type, forget about a ,000 loan. But, there are ways to get that much cash, usually without all the tedious paperwork required from traditional lenders.

Way One -- The ,000 Friendly Loan

No credit check is needed for this type of loan. The borrower has no need to present proof of employment. Though it may require some personal adjustment, such as setting aside your ego; your success rate for getting approved is greater than you will experience with a bank or other traditional lender. Even if jobless, friends or family understand the problems you are facing and more willing to lend an ear and a loan. Work out a payment plan, offer interest, write everything down and sign it.

Way Two -- The ,000 Employee Loan

The next way to try is approaching your employer or an employees credit union. Many bosses will make loans because it is in their personal interest to do so. It promotes loyalty. And, there are no worries about where you work or what you are paid. Waiting for the loan to be disbursed should not take long. If your company has an employees credit union, pretty much the same requirements are enjoyed. Also, loan payments can be taken directly from your paycheck.

Way Three -- The ,000 Home Equity Loan

This way is an extremely easy way. With your house as valuable collateral, many lending institutions or loan companies are willing to give you ,000 at very affordable rates, even if your credit is less than stellar.

Way Four -- The ,000 Licensed Lender Loan

For this way, peruse the want ads of your local newspaper, check the yellow pages, or start your search on the Web. These lenders will do required background checks, proving your identity and residency. These lenders operate under different regulations than do banks or other traditional lenders. They also charge rather high interest rates because of the risk involved. Even though the rates may be high, just figure they are a necessary evil to get you the cash you need.

Way Five -- The ,000 Cash Advance Loan

Lenders who make this type of loan will have to do background checks as well before they will grant a ,000 bad credit personal loan. You will also have to provide bank account and employment information, as well as your social security number. You can usually have your cash within a day with these types of loans.

The ,000 Bad Credit Personal Loan Is Doable

By taking the right approach, setting aside your ego, realizing your interest rates are going to be high, you should be able to land a ,000 bad credit personal loan. Just be sure you have the wherewithal to pay the loan or you will be assigning yourself court room time, attorney fees, and even more debt. This is not play money. Be sure the way you have chosen is the best. Be sure to do plenty of shopping around rates vary widely from lender to lender.