If you need a 10000 dollar loan there are several options available to you. However, they will be different than say a 1000 easy payday loan. In general a payday loan is obtained for increments of $1000 – $5000. However, this is not necessarily a bad thing. In general payday loans are the most expensive, something you don’t want if you’re planning on taking out that much money.
The most popular option is usually going to a bank or credit union. These traditional institutions will generally have competitive interest rates. However, you will generally have to have a decent credit score, have lived in the same place for a year, and be able to provide documentation of income. It is best to secure a loan that you already have a relationship with. That way they can look back through your account history and determine whether you are reliable, your usual account balance etc.
Another option, if the money is for a business is securing the help of the small business association. They don’t actually provide loans, but they do guarantee some loans. Every situation is different so it is best to do research directly through them.
There is also the option of a peer to peer lending site. These websites have flourished despite the downturn in the economy. Basically you apply for a loan from an average person. They can elect to give you the loan, part of the loan or reject you based on the criteria you provide. If they have questions about your ability to pay they can spread out the risk by only lending you part of the money.
Lastly, you can always turn to a family member or close friend for the money. However, if this option is available to you, it is best to treat it just as you would a business transaction with a contract, repayment schedule, interest rate etc locked in. This is the best way to preserve important relationships.