Answer: -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. -It always amazes me why people with bad credit would want a loan.......You need to examine your spending and get your credit built back up. No company gives people with bad credit low fees and interest.You are not a child that has to "have something now". Be adult and pay off your creditors and your credit will return.