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A: Candidly speaking it is very difficult to secure a private loan if you have a bad credit history and no cosigner. However you can always look for federal loans. These loans although have limited funds but are dispersed on the basis of financial need of a student rather than their financial history. In some ways, this is a good thing. People with bad credit generally have a hard time getting other financial products especially loans, because banks and other financial institutions do not think that they are credit worthy. But the problem is that while payday loans do not require a credit check, it would show up on your credit history and it would have a negative impact because the general impression is that if you were desperate enough to use a loan like that then you might not be able to handle other financial products. 100 Day Loans