I need a real loan with bad credit is there any valid lenders out there?

I understand that there will be higher interest rates on a loan of this sort. But Our plan is to make monthly payments and with next years tax refund have the loan almost paid off. Please we are honest hardworking people who really need a break right now. We have 1 car loan right now which is always paid on time.... show more I understand that there will be higher interest rates on a loan of this sort. But Our plan is to make monthly payments and with next years tax refund have the loan almost paid off. Please we are honest hardworking people who really need a break right now. We have 1 car loan right now which is always paid on time. We really don't have anything to offer up as collateral, just our word. The loan amount we need is $8500.