When you are strapped for cash, it is easy to get into a bad downward spiral of late fees and more problems than you need to deal with. Just because times get hard does not mean you need to sell your car and start using the bus so you can make rend. When you use private money loans California lenders offer you small sums usually based on your paychecks. As long as you have a job, you will most likely get approved. Remember, these are small loans.
Some loan providers will also use collateral such as a vehicle, but these are short term loans from private lenders. Unlike pawn shops, these loans can be credit based sometimes but again, they are mostly based on the amount of pay you can prove you get. This is a good reason to keep pay stubs around. Often, good lenders will allow your reasonable rates on the loans so they will be relatively easy to pay back.
Be sure to keep the amount only as high as you need and also consider that you will have to pay it back soon which may potentially put you in a bind again. The whole idea of getting the loan in the first place is to get out of further financial trouble. This is a stop gap, not a good long-term economic plan.
Consider larger loans from a bank if you need larger sums of money and more time to pay it back. Interest can get extremely high with private money loans. They are high risk loans which means there is an expectation they will not be paid back. Hence, why they are so costly in terms of interest and pretty easy for anyone to get. When you hear that there is no credit check, that is because the penalty is so high it is scary.