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Are you counting the days until payday? Emergency auto repairs, unexpected bills, and other unplanned expenses can wreak havoc on your finances. There is no need to live with financial stress - a payday loan is an excellent solution for short-term cash flow problems. A payday loan will provide you with cash now, so you can set your worries aside Guaranteed Personal Loan Credit . A: Getting a private loan with a bad credit and no cosigner is a tough situation to be in. Still you may be able to seek loans but will have to deal with high interest rates or other stringent conditions. You can also apply for federal loans, which are very popular nowadays. federal loans have a low interest rate and demand no cosigners or credit checks. Itâs an opportunity to flaunt your experience and qualifications, and an excellent exercise in self-reflection and meticulous planning for every business owner.