We are all told to set aside money for a rainy day. But many of us do not have the means to fund a substantial safety net. A serious illness, car repair, or an extended furlough can easily deplete a budget. But what can you do in the face of a crisis if you have middling or poor credit, and can’t qualify for a traditional bank loan? Fortunately, you don’t need good credit to secure a 6-month loans.