Illinois residents can obtain as much as $2,500 with an online installment mortgage from Speedy Money. To improve your credit, borrow cash only if you need it, and always pay your bills on time. In relation to candidates in search of a $50,000 unsecured private loan with bad credit report, that ability is essential. Payday loan lenders also can depend on their own proprietary criteria in deciding whether or not to lend to a borrower.