The easiest would be with a secured loan from your bank. It does require a little cash to do, but it is especially easy to do if your credit is bad to begin with. First, save up for a few months until you have $1000. Go to the bank, open a CD with the thou and a savings account. You then borrow $1000, using the CD as collateral against the loan. Put the $1000 you borrowed into a savings account, then pay the loan off in 6 mos or a year. You're earning money on the original CD used for collateral, and you'll earn a smidgen on the borrowed thou while it's in your savings account.
