The fastest way can be the online lending as it takes less time. Also, the lenders have flexible approach, the application procedure is all about 3 to 4 steps. No filing, faxing due to paperless process, you can in fact borrow 5000 loan despite bad credit. The no credit check is there to facilitate borrowing without any search footprint on your credit records. This again saves a lot of time the lenders spend in credit score perusal. Due to 24x7 availability of funds, you can get money at the very moment of the need through instant approval decision.