You can try offering your bank collateral but bad credit means that you have a history of not paying creditors back, and in this day in age, it is pretty difficult to convince lenders to trust you.

To get the money you need together you will be better served either spending less (and saving more) or getting a part time job.

And glad to hear you already know not to touch the payday loan places, and the ones like them. You will be buried neck deep in insurmountable debt in no time at all with them.

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