My 411

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Although bad credit loans are designed to help consumers who have trouble accessing funding, they can be costly and predatory. If you’re facing a financial emergency or unexpected expense, there may be some viable alternatives.

Consider a charity. Local charities organizations, churches and nonprofits frequently offer help to members of their communities. You can join forums like Reddit and find local Facebook groups to see what options may be available to you.
Ask a relative or friend for money. Be sure to draft up a repayment plan that works for both parties to avoid problems later on.
Use a credit card. If you have available credit on a credit card, the cost of swiping it is probably much lower than you’ll pay if you take out a bad credit loan.