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With "very bad credit" no one is going to give you a loan. Even IF you found someone to lend to you, with your credit history, the interest rate would be high and wouldn’t help you at all.
Getting a loan to get out of debt is not the way to get out of debt. You need to increase your income.It seems you only have 2 options:

1. Find a loan that you can repay within 3 years where the monthly payments are less than the 2 loans you have already added together.

2. Stay as you are.

This is assuming that the 2 loans you have now are 5,000 and will take 3 years to clear otherwise you are not comparing like with like.I’d only like to say that you should find out why the debt has truly accumulated. In a case of irresponsible use of credit cards, after paying off the credit cards with a debt consolidation loan, cut the credit cards up. If you need to have credit cards for rental cars, business trips or on-line purchases consider secured credit cards or debit cards. Spending on secured credit cards cannot exceed a limit based on the value of an accompanying savings account. Use of debit cards require you have money in an account in order to use the card.Are you looking to consolidate credit card or other debt? Do you have bad credit history? There are many options available online nowadays to help you consolidate your debt. Whether you are wanting to consolidate credit card debt or other kinds of debt, it can be overwhelming searching online to find the best ones for your situation. Here is a short overview of what kind of debt services are available online.

http://theloansonline.blogspot.com/

If you are looking for a loan to consolidate your debt, you will need to qualify for the loan, just like any other loan. If you have a home, you may be able to get an equity loan using your equity or even go over the appraised value of your home in order to get the financing you need.hi
If you looking for a legitimate online loans in 1 Hour.once approved your loan will be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities.

http://bestonlineloancompanies.info

• 100% secure and processing
• No faxing -No credit check
• Immediate online approval
• Excellent customer service
• Get Cash in Minutes!
Good luck!…..

 

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