There are a few factors that need due consideration before applying for California unsecured loans. The secondary and alternative way is private lenders who will provide these loans, very quickly, but will charge quite a heavy interest rate. These loans are available with easy repayment options that wont put additional burden on your already taxing monthly budget. Oh, sure you did, didnt you Well, Ive found that most people tell me less out there on the lot because they havent gotten to know me yet. Keep in mind that a bad credit rating is considered more risky for a lender. By paying off your existing debt and making on time payments, your credit score will go up every month. Moreover, you should hold a valid and active checking account not more than 3 months old. If you place collateral against the loan, the amount to the total value. You need to make sure you have the required amount for loan repayment in your account on the due date. Yet even with bad credit it is possible, although possibly no advisable, to get small loans.