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The instant loans is one option that has helped a lot of people and might just help you also the best way to get these loans is the online way. Personal Loans do not require any credit check for the processing which makes the loan applicable to all citizens. Bad credit personal loans are not all that hard to get if you know what you are looking for. This is a great way to get the money you need when you need it the most. Do you need a loan for a car, debt consolidation, or any other reason whatsoever? If you have bad credit you will find it hard to get a good personal loan. Your first option is to use Prosper. Prosper is an online company a lot, but only they auction off financing. You can sign up, have your credit pulled, and fill out an ad for your loan. Then, those that have joined as private parties to help fund the loans can bid on your loan. They don't have to bid on funding the entire amount. They can fund of your loan all the way up to the full amount. This means that your loan might be funded by many different individuals that are only risking a little bit of their money.