Has anyone ever gotten a small loan in the us with bad credit?

I was just wondering if anyone ever actually got a small personal loan like $3,000 really quick with bad credit excluding Credit Union, Bank, and from any of the people like F. Linkus or others that usually list. Prosper seems great, but lowest score you can have is 560. What about credit score of 432? My daughter just sent in 3 things to the credit report that have been on there for 11 years. I wonder what that would bring her score to be? She just got behind a month on bills and needs to get caught up. She has 3 degrees and is now teaching but needs a short term loan of $3,000 and can pay back $500.00 a month. She has no rent and no vehicle payment. Just school clothes and to get caught up with bills. Then she would only have 1 payment of $500.00 and just about $500.00 worth of other bills every month -daycare etc. Any ideas. Payday loans are out. Too much interest and not enough money. I need ideas. She is dependable except for just getting behind (spouse problems)