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However, there are lenders that use the strategy of filing a court suit to collect when a borrower defaults on the loan. This is possible when there is an outstanding bounced check in the hands of the lender. The check can support a case in court. The threat of filing a court case is now used by lenders to coerce the borrower to pay off the debt plus damages. This is the hazard of issuing a postdated check to guarantee a payday loan. Loans sameday There are many things that are attractive payday loans, but, well, there are some elements of this option commentators who give cause for concern. loans sameday The majority of creditors can be quite understandable if you are at risk of going bankrupt, so ask for a new repayment schedule with a lower interest rate. A: The most straight forward way to get a student loan with bad credit and no co signer is to look for a federal loan. These loans are meant to promote educational opportunities in students who cannot afford a quality education otherwise. So even if you have a bad credit history or do not have a cosigner on your side you can still get a loan.