used car for work....
anyone know any site legit?

Do you know what your credit score is? If it's above 520, see if you can apply with Beneficial or American General. If it's below that score, you may have to settle with seeing if you can borrow the money from a family or close friend. The issue with bad credit is that you're looked as a higher risk because of your financial past and/or your ability to pay bills and other things you may owe. There are really no 'bad credit lenders' - and stay far away from the so-called private lenders, those that say they can loan you thousands of dollars without checking your credit and asking for some kind of fee up front. Like I said, first things first, find out what your credit score is. It's better that you know that before anyone that you're trying to do business with does. And if it's specifically a car loan you're looking for, try Barnone.com - they can match you up with dealerships in your area that are participating in their program to assist folks with credit issues. Hope this helps.

Please don't look for any lender to borrow more money. You will only be adding to your debt. If you are desperately in need of the $3,900, then, I would suggest you talk to your close friends. You see: If a lender goes ahead to lend you the money, the interest rate will be very high, say, between 18-24%, which, of course, will be reported on your credit report file. Should you ever default, it will sink further your credit score.

Before asking for any more loan, however, why not try to repair your credit yourself? It is not as difficult as you might have thought. You could either do it yourself or ask for help from notable professionals. The only difference is that professionals would charge fees for their services.

Should you wish to repair your credit yourself, please follow these tips:

Get a copy of your credit report directly from the three major credit bureaus and check to make sure the information about you is correct.

Thereafter, look at the derogatory accounts and arrange to pay them off by calling the creditors or collection agents who reported the delinquent accounts to the credit bureaus.

Be patient and allow for, say, sixth months before checking your score. If less than 620 wait for a couple of months before applying for credit while paying your present bill(s) on time. Use credit wisely and responsibly.

Best wishes!

Derrick