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Broke

peer to peer loans?

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Sure, I've been a member since they started, but have yet to loan any money. Things always look too risky every time I check out the site. There's really no reason why someone with a low credit score couldn't get a loan from a bank for a lower rate than what some of those people on prosper are charging.

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I would be extremely careful when getting a loan through a place like this. You said you have bad credit, which category are you falling under on their scale. I noticed that the intrest rates are high as hell. Also if you default on a payment it is possible that your intrest rate could double. I would go to your personal bank or credit card company first.

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Get a prepaid credit card to start, then try Providian, they gave me my first card, even without doing the prepaid route. See if the DR finances, some do.
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