Cash loans are relatively easy to obtain.

The banks/lenders will even send you checks in the mail if you are a homeowner or have good credit and by cashing the check you agree to their terms and conditions of the loan.

Some types are offering no credit checks and quick payouts of cash.

They can even be obtained over the internet!!!

See Also Paycheck / Advance Loans

The cost of loans of this type is fairly high. This is due to the added risk taken on by the lender when issuing un-secured loans.  Typically backed only by a personal promise to pay.

Make sure you read the fine print on the lenders recourse in case of default. It's also best to shop around because the rates/fees will vary and even if it's a savings of $5 - on $100 loan that's 5% savings right there.  There are plenty of companies that do these loans so take a minute and review a few before deciding.