On the other hand:

The littlest guys are still lending While the credit crisis has shaken Wall Street to its core, the thousands of community banks that make up the lion’s share of the nation’s banking system remain, to a large extent, quite secure.

The larger regional banks are also still lending, although they have not unreasonably tightened up their credit requirements. Which, I should add, makes it all the more important not to restrict the most realistic sources of credit to the least well-off, like payday loans providers.