As a rule, banks loyal to borrowers and can provide loans for a few months even to students and retirees. However, a bad credit score can be a stumbling block. In this case, you need to contact trustworthy services and direct lenders. To do this, you should first take small loans for a short period and return the money on time. This will improve your rating and make it possible to take out larger longer-term loans. Before taking out a loan, take a break and think how much you need this money, whether you can do without it and how you will return the amount received. Consider not only your salary but also possible difficult circumstances. A dismissal, illness, or anniversary of a colleague can disrupt even a well-thought-out plan.