If you need a loan, but you have no credit, no collateral and no cosigner (this case is a little more complicated) you may realize that you can't get any money from the banks asap. One of the ways you could get rid of your problems is to start looking online because there are a lot of online loans that are there just for you, altough if you don't have such a good credit you're going to pay higher interest rates, sometime this are very very big and you could hurt your financial situation if you do take them - but hey, it's your decision. One other option you got is to call a loan sharks, but in this case the interest rate could be very big and you're going to pay more money - think about it, you don't have the money, how you're going to pay more money if you don't have any?

   What are my other options if I don't have a credit history? (you just finish college and you have not got a loan since now) You could get a payday loan, that's just going to require a stable bank/checking account, or you could just got on peer to peer money lending sites like prosper, if you want to be sure you're going to get the money in a way or another. Another option you have if to lend some money from subprime lenders who don't have a credit check required and they don't require for you to show your credit - even if you have a bad credit, even if you don't have a credit history at all.

   What if you need an auto loan but you have no credit? This is a common question and most of my friends are asking this on a age or another. Most of the people really need a car, if they are in a big city or if they just got 18 year old and most of them don't have a credit history. 

   If you need a car, and you're working on a full time job for more than 6 months then you may get some down payments for your car with a payday loan. Another option you have is not to borrow more money but to go to a car dealer in order to get some small down payments and then to have the car as a collateral - in this case you need a job, for them to be secure you're going to pay the money back and for you to be secure you're not going to lose the new car. 

   What if you want to get a small business loan, without a cosigner? In this case is a bit complicated because if you don't have a credit history, you're not going to get any money from any bank, but you're going to be rejected. You should go online because you could have more options there, from private lenders, but with big interest rates.

   Can you buy a house or get a loan if you have no credit? It depends and let me tell you why and what you have to deal and think about:

1. you have to deal with your credit score - if you have a low credit score the bank is not going to give you any money, if you are young you should check if you can qualify for the $8000 dollar federal tax credit.
2. if you buy now you can get something like $8000 free in order to get a house.  Yes, there are not all the money, but there is a start for you. 
3. also, think about that there are a lot of first time house buyers that don't have a credit, and they could buy a house. 

   What if you are a student, no credit score and you need some sort of private loans? 

   This is another case and let me explain you more about it: if you do have a co-signer, then you may have a chance in order to get that private loan (if you don't have any credit). The reality is that if your co-signer has no job, but good credit, it's going to be a little complciated for he/her to get those money. You have to realize that the cosigner credit has the biggest impact if you're going to get those money or not - the lendes are looking at the debt, salary and other options to the cosigner and then they get you approved or not. 

  There is another problem that I've heard that there are banks that are not willing to give students loans if they are not 21 or they have no credit score rating. In this case I would say that you could get to fill an FAFSA application online, see if you qualify for some grants or other loans and get some money. Also, you could get a job if you really want to complete your education. You're not going to get any money from banks or private lenders if you are a risk, get this in your head and understand it.