Answer: -Have you tried prosper.com? They allow anyone to plea their case for a loan. A very unique leaning site. Worth taking a look at. -Unfortunately- they all want money up front right? It's a shame that there is Noone legit. to lend privately. I've been scammed and feel I am at the end of my rope. I've given up. At least you know better than to send them any money!!! If you find one- let me know !!!! -The best way to repair bad credit is to get out of debt it's a lot easier to pay bills on time. Keeping in mind that payday loans are high interest and only for bad credit situations. Even some payday loans can help estabilish good credit.