In summary, bad credit personal loans are generally not a good idea, unless you can get approved for a signature loan. Run for the hills if payday loans are the best option, it's honestly probably smarter to not pay your bills. Payday loans can get you into a world of hurt.
Never take out payday loans or loans from 'Sharks'. These guys are offering something very similar to payday loans in that they will charge insane interest. Never, and I mean NEVER get loans that have interest this high. The absolute ceiling for interest on a loan should be 20% and even 20% is too high for most cases.
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