I have always had a bad credit rating , ever since I came out of university due to never spending my loan wisely and taking out stupid store cars or ridiculous mobile phone contracts that I can never really afford. Subseqently, several missed payments later and banks have a general disregard to my financial honour. Which is a shame as these days I have matured quite a lot and take a very different stance regarding finances.
Because of this however I have never been able to get a bank loan, even when recently I really needed one to put a down payment on a new flat that I was wanting to rent. I generally had no idea how I did it and then someone told me about websites that provide same day loans and although they still do a background credit check they take into account extenuating circumstances, and the amount you are asking for. So I had a little google and quickly found a site that suited me and hey presto! I am sorted.
Check them out if you are in a similar position. 
Image: eric731
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