I know the predicament that you are in. There is a much wiser way to live. Never borrow money. Instead of paying interest to someone else, learn to live on less, save, invest. Can you imagine life without a home mortgage, car payment, credit card bills? It is not only possible but thousands of people are
living that way. Best wishes!

Check out this one they Guarantee $7500.

It won’t happen, but you can improve your credit score for the future by getting a credit card and making on time monthly payments. I listed a source below that has a list of credit cards for people with bad credit. More than likely you have to get a secured one though. It will be worth it.

Personal Loan With Bad Credit: Today the lenders have started offering nearly all varieties of loans for people with poor credit record.They are also introducing many new loan products meant for this group. Now people with poor credit can get the same choices as those with the good or mediocre credit. Today you can use bad credit personal loans for many purposes like car purchase, vacation or even debt consolidation.

I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.