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If you have a job, and a checking account, about anyplace will likely give you a payday loan... but mind you, if you have bad credit, you are likely going to wanna stay away from payday loans. if you have bad credit and are trying to improve it, go to a local loan company (in my area, we have sun loan company, world finance corporation, etc. lookup loans in your phone book and you will likely find a few of these places.). they allow you to make payments and report to the credit bureaus (usually within 3 months of obtaining the loan). then, if you have the money to payoff the loan, pay it off and get another one. do this several times for a few years (always think big picture) and your credit will greatly improve. :)