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Paying off a loan quickly is the best method if you can afford it. However, you may have expensive car repairs that cost a thousand dollars. If you pay this back in one lump sum, you may not have any money for food and other expenses for the next two weeks. This is not a viable solution to a problem as it simply delays the trouble and might bring on additional financial headaches in the near future. Do compare lenders for the best secured loan rates for bad credit and make sure they have a clean lending record at the Better Business Bureau. Forget about banks since you have bad credit. If you belong to a credit union, it is worth a try to call and ask for short term financial assistance. Otherwise, you can find legitimate bad credit secured loan providers willing to help you get a personal loan with competitive rates. Welcome to True Blue Loans, the home of personalised installment loans