Try a company like CitiFinancial. I'm not sure if they are national (if they aren't, a company like them is) but they have offices in multiple locations. They specialize in small loans for people with moderate to poor credit. The interest rate may not be great, but the process is easy and the repayment terms are flexible.
This site might have some helpful bad credit loan information and resources for you. Hope things work out! http://loan.divinfo.com/
Personal Loans are hard to get in the first place... If you have poor credit or have nothing for collateral the bank probably will deny you..
Whatever you do, don't respond to Walter Cole or James Cobbs. This is a scam. They are not real people. Do not give any personal information to them. They promise to give you any amount, but they want payment upfront to make it a secured loan. Problem is they take your money and you never hear from them again.
If your credit score is above 520, then I would try prosper.com. The give unsecured, no-cosigner loans from $1000 - $25,000. I posted a article below that has more information on them.
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