I have bad credit and need a $3000 loan, where can I get a loan?

you don't get out of debt by borrowing more money, you have a payday loan and a credit card balance you can't keep taking out new loans to pay off the old loans. You need to increase income, your wife needs to get a job, and you can either get more hours where you work or get a second job. Not fun, but it is the only way you are going to get out of debt and once you do , you will probably not get into a situation like this again. Have a yard sale get rid of stuff you don't need, cut expenses, get rid of TV cable, internet, cut down on cell phone plan, no eating out, no coffee shop coffee, no easy microwave meals, save money on food by making it yourself.

Get a credit card. Usually they will approve you for a decent amount.

But! It will have a higher interest rate

GET A DECENT LOAN FROM Marksmithfinance22_37@yahoo.com

The reality is that nobody is going to loan you the money. Check with the housing authority in your area (use google) to find possible housing assistance.

You're spending more than you're earning. A loan won't change that. It will just delay the inevitable and let you get in deeper over your head.

If your wife can find other work, even if it isn't her normal career, that would help. You need to look at drastic ways to save money. Shut off your internet and use internet at the library.

Start deciding which bills you can default on. Keep paying rent so that you don't become homeless. But if you stop paying the credit card, you will still have a place to live.

you need more income and not more debt so get a second or third job and your wife should work as well. This is the ONLY way to get those things paid off. She can go to a temp employment agency and get day work, or work for a few weeks.

There are odd jobs in the neighborhood you can do. Some aren't apparent. You can help a relative or neighbor fix or clean downspouts, fix a deck, dig a ditch around their house to fill with gravel, any job they've been putting off but have set aside the cash for the job. Look around and help out. Either or both of you could join a senior homemaker service and help out seniors for a wage even if it's low wage it does build up if you keep doing it.

Consider what would happen if you lose your car and apartment, like where would you go (live) that would be close enough to walk to work, or could you go live with relatives for a while, where would you store your belongings. Are your things packed already in case something occurs? Maybe now is the time to box up your things and label them just in case. How old are your kids? Like are they old enough to go out with you and do lawn and home maintenance? How about a service to help people get their groceries while you still have your car? Just keep telling people you are available to work and fit that into your schedule. Sometimes you'd need a license to work, but for family and friends (maybe neighbors) you won't need that.

I frequently spend my half an hour to read this blog's posts daily along with a mug of coffee.

Well, it depends..