Answer: -You might want to try Prosper.com. It's an experiment bringing together private lenders and borrowers. You get a chance to tell your story and what you'll do with the money. It may work for you, or it may not. It's worth a try. I don't think you have to pay anything until you receive the funds or start making payments. I'm not sure which. -If your credit is really that bad, and no bank, or lending institution will touch you, then your only other recourse would be to borrow from an individual, who is willing to trust you. -If you have a bank account, you should be getting tons of credit apps. I have goddawful credit plus a tax lien, and I get them by the truckload. They're small limits plus usurious fees, but if you can keep up with their crazy rules, you can have that money you need. -Your best bet is to raise the money yourself. Sell something or work an extra job or two.Getting another loan is not the answer. You have bad credit because you weren't responsible with money in the first place, now your're asking to borrow more money. I don't mean to sound harsh, but you really need to get yourself out of this cycle of borrowing money everytime there is a need or want in your life. Please contact me directly as I have experience with helping people get out of debt.