With a credit score in the 480 to 500 range and being unemployed, it may be challenging to get approved for a traditional loan. However, some options might be available to you: Payday Loans: Some payday lenders might approve small loans without considering credit scores, but these often come with very high interest rates and fees. Borrowing from Friends or Family: If available, this might be a more accessible and less costly option. Community or Charity Assistance: Depending on your situation, you might qualify for financial assistance from a community organization or charity. Secured Loans: If you have collateral, some lenders might consider a secured loan, though this might be more complex for such a small amount.