I am looking for a Poor Credit Loan to help me consolidate some debt and pay some bills. I just had to pay to fix my car so I could keep my job. I have had my job for around five years, but I have pretty bad credit. I own my home so I could use that as collateral though I really do not want to unless it is my last option. I also own my newer car which is what I would like to use as collateral. Fixing my car pretty much drained my bank account and now I am in real trouble. I just need some help to dig myself out of this hole and get back on track. I need to find a bank that will give a loan to someone with bad credit and that can process a loan really quick. If I do not get a loan, all of my utilities will be shut off.