i have bad credit but need a small personal loan with no upfront fee. Can anybody help me?

If you have bad credit, taking out more credit is the last thing you should be doing. And you will be ripped off, no matter what. You will get sub-prime terms with high interest and origionation fees.

You could *try* a credit union.

But what you should do is get a second job and PAY OFF all of your debt.