Any recommendations for good loans for bad credit...?

I need about $4,500-$5,000 in order to be in good standard with my bills. I am not doing to well. I get paid every 2 weeks and my paycheck goes straight into my overdraft account everytime for the past 3-4 pay periods. I am in need of a loan for at least $4,500 (preferably $5,000) in order to break even. I have applied to a few loan companies and banks, but I am always denied due to poor credit. I am also looking for a part time job for late eve, nights and weekends, and I am currently researching several debt consolidation programs. I am currently working at a full-time job, so once my bills are caught up and/or consolidated, I can make those payments on time. Does anyone have any suggestions or recommendations? Please help!

Answers:
5,000$ is 420$/month for the next year.

Can you find that money somewhere else than in a loan ?

- a part-time job when you'll find one
- a roommate
- selling a car, boat, etc.

The problem with one more loan is that your troubles are just pushed further on the calendar. You'll have to pay back your debt, and it's going to cost you twice the borrowed amount.

So cut expenses, earn more money, change your life style for a few months and you'll be great in less than 365 days !

Ps : If you like to write, maybe you'll earn enough to make a difference : http://openadsense.com

Good luck !
if you find a good one, tell me
my adivce would be to get the credit together first. what ever it is it can wait. it will cost you more if you don't get the credit togetrher.it' a must
don't get a loan. don't even think about trying to get credit...at least not yet. do talk to a counselour at a debt consolidation company. and if worse comes to worst just start paying down your debts as much as possible. do not pay minimum payments because interest will kill you.skip a latte. bike to work. rent a movie instead of going to one. don't buy clothes yet. stay home and save money and pay your bills. 4-5 thousand is not yet a hole you can't climb out of. be patient and you will see light at the end of the tunnel quickly.
Youre doing everything right.good luck
This isn't intended to be offensive, etc, but your self-description of your financial condition, etc, basically states that you're a bad risk for anyone to lend money to. So you won't get a 'good' loan. You would only qualfiy for what everyone would term a 'bad' loan, and in the end you will fall even deeper in the financial black hole. Cutting costs, making money sacrificesm, doing cash only transactions, and the like is your best path.
This site has some helpful information about bad credit personal loans. Good luck! http://loan.divinfo.com/

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