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From Cellbe

The problem with gtneitg a loan with bad credit is that you've already shown you cannot repay the loan. There is a difference between wants and needs and usually those with bad credit have gotten into problems by having too many wants. Think about all of the bad money mistakes you've made. We've all done it that dinner out or that pair of jeans on sale. One transaction at a time has caused us to go over our credit limits and just one setback caused a late payment. Before you know it, you are taking loans to repay loans. The lenders know your personality type based on your credit score. What makes you or them think otherwise about your future if your past shows impulse? I don't blame you for not wanting a cash advance but those are the kinds of companies willing to take risks because they charge such high interest. Your best bet is to increase income and/or reduce expenses. Do you NEED a loan or simply want one to bail out of mistakes you've already made? Think about a part time job, gtneitg rid of some services you really don't need, and developing and sticking to a financial plan that will give you the power to be a lender instead of a borrower. Don't compound your bad credit with bad choices.