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Unsecured Credit Cards and Loans, how safe are they?

I'm in a really tight financial bind, and I was reading on the web today about "unsecured credit cards and personal loans". I was wondering how safe they are, and if anyone has tried them what to expect...

Public Comments

1. It depends a lot on the company. Here are some that either I or a friend has used: http://creditfederal.com/ http://www.usccreditunion.org/loans/unsecured.html http://www.mypaydayloan.com/payday-loans/unsecured-payday-loan.asp
2. Stay away from payday lenders!! They can legally charge up to 500% interest, and more! Try a local community credit union. They typically offer lower interest rates and more favorable terms. Try locating a credit union by visiting the Credit Union National Association at the following link: http://www.creditunion.coop/cu_locator/index.html
3. Make sure the interest rate is okay. . . but besides that what do you mean "unsafe?" The only person they are risky for is the lender as you dont have any collateral.
4. benefit these places have been checked out safe http://www.wesayes.com