The transmission shop that fixed the transmission. Otherwise you’re going to be dealing with people who aren’t very nice if you miss a payment. (No one gives legitimate loans to people with bad credit after 2008.)

if your car is worth at least twice that and completely paid off then car title loan
you miss a payment, you lose your car
and they may insist that you get someone with good rating to co-sign the loan so if you don’t pay then they have to

I think you’re dreaming.

Please try to sell something you have, borrow from family, or find anything other than using a loan agency. By the time you repay the $3,500.00 you will have paid close to $15,000.00 and your credit will be even worse than it is today. Start with trying to negotiate with the company that sold you the transmission. Maybe they will even let you work with them part time to help pay what you owe them. I wish you very Good luck.

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Good luck!……