How does borrowing money get you out of debt? With bad credit no one loans money anymore…if they ever did before.
That isn’t going to work. Possibly a local credit union. Better answer is to decide today to never again live beyond your income and begin paying off these scam artists one at a time.
Have you tried FLM loans?
They have a very high interest rate and you need a friend or family homeowner guarantor.
Typical APR is 42.6% though, so that is something you will have to consider.
Hope this helps and good luck. 
Most lenders would willingly give a loan to someone with bad credit who has a job or collateral because
they can charge you a much higher interest rate than someone with good credit and if you did default then they could
take any collateral you pledged.
for loan quotes
https://www.loansandinsurances.com/
credit-report-free.totalh.com – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
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Good luck!……
Nobody.
The short answer is that following the credit crisis of 2008, all main street lenders stopped lending to anyone with poor credit, leaving payday lenders as the only option.
If you have an existing relationship with a credit union and a steady job, that might be your only option.