Answer: -There are plenty of places that offer loans for people with bad credit withno-hassle applications and easy requirements.Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the pagelisted below, it has information and bad credit lenders listed off and on. -I wont be helping you with how the payment works..but I must say this. If your in debt, you need to spend your money a big more wisely then putting your self depped in debt for good looks! Your putting yourself deeper in the whole...and its not worth it. -I've had some work, and almost every place will NOT let you make payments. In fact, I've never heard of a single one, and I have some friends in Cali and Miami who have had work done too. If you have bad credit, then you're SOL, and you're just going to have to save until you can afford it.