credit.? No Pay day or short term loans please...thanks.

I'm not sure about websites but I know Citi Financial, Wells Fargo & HSBC will offer loans to people with bad credit. The only problem is you may need a co-signer depending on how bad your credit is. Good Luck!

you can try prosper.com or cashcall.com
>Beware of Advance fee Loan scams.
LOAN SCAM - Do Not Pay UpFront Fees.
Do not send money UpFront via Western Union or MoneyGram to any person or business in the UK, Nigeria or Canada in hopes of getting a loan. If you do you will learn a hard lesson & never see any Loan money.

If you get answers here offering you loans, they are likely to be scams that will require an up-front fee, then not give you a loan or refund the fee. Many of these show yahoo email addresses - if they were legit they'd at least have their own domain and not be using yahoo email addresses.

The long term, low interest rates are only for those with good credit. You have proven to be high risk and therefore are unlikely to stick it out for the long haul, which is the only way the banks profit from low interest loans.