There are moments when you need a bank loan, just to pay for your studies, get a car loan or something like that, but you have to consider some things before beginning. You don't have to get desperated in order to get a bank loan and not get terrified if you don't get the money you need in order to get the bank loan. The fact is that if you need a bank loan, but you have a bad credit with long term payments, then you may not get the money from a bank, but this does not mean that you won't get any money at all: is possible to get the money, I mean, the loan, but you may not get it from the regullar bank. If you need money now, maybe the best thing you could do is to get a payday loan, but it's kinda complicated because not all the country get you the money. For example I have heard from a friend in Georgia that she could not get a payday loan in that country. If you have no money and you have a poor credit, maybe a loan to pay your bills and rent is not the best options and let me tell you why - the fact is that if you have a poor financial situation, then you can make it worse, if you do get a loan and you have a big interest that you have to pay for it.

   There is no need to be scared and depressed about this situation, because it's not going to help you at all - you need to think clear and understand that you can't get the money and can't have a happy life, if you don't know how to handle the situation with your life. If you just need to pay for your studies, then you could get some sort of government loans and not a personal loan that you need to pay very fast - stafford loans and other type of loans are very good in your situation because you could easily pay them after you finish college and when you have a job.

   Is it possible to get a loan from the bank when you're not 18 yet? Maybe you need a bank loan, or maybe you need a loan or money today, but the fact is that you may not get a bank loan before you're 18 or more, because you don't have a credit card, you don't have a credit history or an income (basicaly, you could be unemployed) and you represent a highly risk to the bank - banks are there to make money and you basicaly want money altough they don't know if you're going to pay them back. How you're going to pay back the loan if you don't have the money or an income? It's kinda simple and you have to ask yourself this. In the case you want a loan with no credit check or for a poor credit, then somehow personal loans from sub prime lenders could be your option, but you have to be sure you do the right thing for it.

   I need cash fast - this is one of the things I barely hear every day and I have to say something about it. If you want a bank loan but you have no credit, then you may not get it at all. You may want to get money from payday lenders (you could easily find this kind of lenders online), or from loan sharks - this are individuals persons that are going to give you a loan. The fact is that you have to be sure you're secured and not get the money from everyone. Only get this money if you have very big problems and you don't have another solution - like friends, family or any other. 

   If you don't have a credit card, but you want a bank loan, then you may want to get a credit card, get a job (if you're 18-19) and then after a couple of months-one year, you may want to check it out again, if you apply for a bank loan.