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Consider a small loan from your credit union or a small loan company. Some banks may offer short-term loans for small amounts at competitive rates. A local community-based organization may make small business loans to people. A cash advance on a credit card also may be possible, but it may have a higher interest rate than other sources of funds: find out the terms before you decide. In any case, shop first and compare all available offers. A: The best alternate for borrowing in case you have bad credit is the Pell Grants program. Remember that as compared to a loan, a grant is free money which you don't have to pay back after you have graduated. The best thing about this program is that it is supported by the federal government so applying for it is quite easy. However, the decision of how much Pell grant would be adequate for your academic needs is based on the state of your financial condition. How long will it take? Our lenders will provide you with a loan up to $1000. 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