Is there a good loan program with a low monthly payment and decent APR?

I want to pay off some things in one sitting and pay for one loan but I'm not for sure where to go. I've been trying to pay off these bills but I can't seem to catch up since I have more than one. And I know APR rates can be nuts. I'm not expecting to get a low APR since I have bad credit, but not something outragious. Does anyone know anything like that out there? Or another alternative I can take? Thanks.

Is there a good loan program with a low monthly payment and decent APR?
People-to-People Lending. It's an old idea that's new again.





People who need money request it, and other people bid for the privilege of lending it to them. Prosper makes sure everything is safe, fair and easy.





Until now, financial institutions have controlled who is able to obtain credit and the rates people pay, over time, this one-sided control has bred inefficiencies and excessive margins – leading to higher rates for borrowers, and restricting people who have money to lend from entering and generating income from this vital and lucrative market.





Prosper gives people the opportunity to take back the marketplace for consumer credit, Prosper aims to make consumer lending more financially and socially rewarding for everyone by letting the borrowers set the maximum rate they are willing to pay a lender, which prevents the loan from being funded at a rate higher than the borrower wants to pay.





http://www.prosper.com/join/GlobalFundin...
Reply:There is a great place to go with this. I was in a very similar situation.





This is getting help from real people without the use of banks or credit card companies. Good Luck!





http://www.prosper.com/join/lzc5wh
Reply:Many lenders, banks in particular, deal in any sort of secured loan other than second mortgages. Other institutions deal almost exclusively in secured loans. Finance companies that deal in secured loans can be found in your phone book, newspaper, and increasingly, online.Shop%26lt;!--around and compare interest rates on loans and the terms of repayment with several different lenders. You'll find many internet sites that let you request a loan rate quote from multiple lenders at once. You may find bad credit loans here,





http://badcredits.awardspace.com/





Once you've submitted a request for a loan quote, you'll be contacted by representatives from several companies--%26gt;and can get a good idea of what each can offer you in terms of interest and other finance charges and fees. Choose the best one for your needs, and apply for the loan.