Along with just going to a bank and asking, another solution may be a peer-to-peer loan provided through a company called Prosper (click on the link above to go to that site). This is not an overnight loan but if you need to pay off a high interest rate car loan or consolidate some credit card debt, this can be a good solution if the bank will not help you. If you are consolidating credit card debt, then cutting up all of your credit cards after you get a loan to pay off the debt may be something to consider.

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