Pawn Houston

A person with really bad credit can go to a pawn Houston shop to get you a short-term loan (payday loan) for a short time.  To pawn at a Houston shops just need you to come in with an item for security, and they'll lend you cash for a specified period.
Pawn in Houston for a payday loan
You don't have to take out a second mortgage just to get a small payday loan from a pawn Houston shop.  You don't have to get a home equity loan, either.  Basically, at a pawn Houston shop, you may just need a few hundred, or even less, to just get you a car repair or some other emergency money until you get paid next week, perhaps.  A pawn Houston shop can be nice because you don't have to put up your car or house as collateral for just a payday loan.  You can just put up your stereo, or some good jewelry, or anything else that is easy to re-sell at the pawn shop.  The pawn Houston shop will only re-sell your possession if you default on the loan.  

This way, you bring it the possession, get the small loan (a small percentage of it's value), and then when you bring back the money plus the payday loan fee, you get your item back.  It won't be sold as long as you come back with the payday loan money within the allotted period of time.