One of the most heard thing in our days (in the years of recession) is that there a just a few lenders that are willing to give you an unsecured loan when having a poor credit. Yes, it's true that with a bad credit (or even a poor credit) you're not going to get all the money you want, pretty fast, but you may take some money from some private lenders that are willing to risk and give you the money - for a bigger interest, that's for sure and you have to think more about it, if you have the money to take it back or something like that. If you don't have a job and the money to repay the loan, then you're having some real problems and you don't want to have more problems that you have with a new loan. 

  The funny part about loans (even unsecured loans) is that they can help you to improve your credit score and you're not having to take care and time and run from an unsecured loan when having a poor credit - if you pay your money on time and you don't have any debts to the lender, then you're going to improve your credit score/rating and then you could get money easier from bigger lenders like banks or other stuff like this. It's easier to get a lender, even in recession, if you are a good borrower, than having a bad credit.

   Another thing, be sure you're not willing to take a loan, even if you want to go at some party or put some sort of new windows on your house. Those things could wait, you really need the loan, if you're willing to take it - because if you don't have the money to repay it, then you're remain with the bad credit and you're going to have more problems that you have right now - so, be careful.

   There are times when people do feel the motivation to have something, to buy something (they may not like in the future), with the money they do not have. It's easier to think about it a couple of times in order to be sure you're going to have the money to pay the loan and don't just get more money on your debts and then go after debt consolidation loans and so on. There are a lot of bad effects you have to think about - think about them.

   There are a lot of lenders who have an online page - you could find them online and you can apply and get the money instant or in 24 hours (or more). The basic idea is that you have to be sure how much is the interest - if the risk is bigger, so is the interest, not to have any more problems in the future. Don't just complicated yourself when having a poor credit, it's not worthed. 

   If you're sure you're going and will take the money, then you have a few options for it: like a payday loan (you get the money you need faster), online loans or even improve your credit. It's better to improve your credit not to have to take an unsecured loan with poor credit.