My credit score is lower than 500, can I get loan?

not likely

Probably from a payday loan company at a rate of more than 3000% APR which is what a fifteen dollar fee on a one hundred dollar, two-week payday loan works out to.

No, You cannot get loan from bank because bank is approving loan with upper than 620 credit score. You can ask hard money lenders for your loan because they can give loan lower than 620 credit score. They are not following credit guideline. So, it is not a big matter that how much credit score you have.

Not likely.
I feel collateral loan is the only available option.