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Even if you are granted a loan, it will be at an extremely high interest rate. The terms of your loan will also be limited. The amount you can borrow will be small, and you will most likely only be granted a personal loan or a student loan, since house and car loans are considered too risky for a person with bad credit. In certain cases you could be granted a salary loan if your income is high enough to repay it. The Use of Collateral. In the sticky situation where you have bad credit as well as no bank account, you may still borrow money from an alternative lending agency if you are able to put up collateral. This collateral must have value, such as a car or your house. Not all lending agencies will offer this policy so shop around to find one that does.
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