bad credit? Im looking for a legitimate lender to loan me money. I dont want to deal with anyone that needs advance fees. I've been there and done that. Unfortunately because of my score Prosper.com doesn't work for me. If anyone knows of any thing legitimate please let me know.

It dependes on how "bad" your bad credit it. Unfortunately that is part of the mortgage debacle that exists right now: loose lending standards to people with less than perfect credit. You can hear/read/see the tailspin this has put the mortgage and housing industry into. If your credit is truly bad, i.e. credit score below 700, then you may have to have a co-signer, a larger downpayment, reserves in the bank for bank assurance you will pay, PMI insurance, etc. It has totally reverted back to a serious, stricter lending world for now. Those with bad credit are being shut out for the time being. It has always been the lending policy to charge more for bad, less for good. Makes sense. It is just stricter right now. You may just have to wait until things settle down more.

There are plenty of places that offer loans for people with bad credit with no-hassle applications and easy requirements.

Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the page listed below, it has information and bad credit lenders listed off and on.

http://www.axalda.info/bad-credit-loans.html