The 10000 loan is most easily obtained when you have a good credit history and track record to provide to the lender. This makes their decision much easier because you can show them that you are financially responsible. Another part of the equation is that you need to have a decent job that provides you with a decent income. Often times if you have bad credit but you make a lot of money you will get approved for a loan that someone that has good credit and doesn’t make a lot of money will not get approved.

Regardless of where you are at financially or what your current job is there are all kinds of different lenders out there that want to loan out money because that is their business. They want to put money in consumer’s hands and make money from the interest they can charge. So you should always be able to find someone that is willing to work with you because they are in the business to make money to and without loaning out money they don’t have any customers.

The first and usually best option is to obtain a loan from a bank or credit union. You will need to have an adequate credit score to get a loan from one of these institutions. If you don’t have a great credit score or sufficient income to secure the loan, you may want to consider getting someone to co-sign the loan with you. If you are applying for the loan in order to run a small business you can look into the SBA guaranteeing your loan as well. The bank will review every aspect of the loan with you – they get nothing from lending to someone who won’t pay it back – and they will offer competitive market rates.

Another options is one of the peer to peer lending sites that are springing up everywhere. They have flourished despite the economic downturn. You basically apply for a loan from average people who will review your credit and decide whether or not to lend to you. With this option the lenders can also distribute the risk by only lending you part of the sum will someone else lends you some more, someone else some more etc.

Of course, there if the old stand by of borrowing from friends and family. If this options works for you great!. Just remember to be careful, reliable, and draw up and stick to a contract.