The problem is not the money, you can make the payments. It is the part where you were late on other bills that could be causing your problem. Once they see those receipts they automatically consider you a high risk client. Most businesses do not want to deal with the risk.
Once they see a few times where the payments were late they become hesitant. If you have done it to others perhaps you will do it to them. The way they protect themselves, if they do offer a loan, is to offer it at a higher interest rate. Many people are of the opinion they do this to scare people away.
Comparison shopping of a lot of companies can let you find those who could give you a loan. By looking at the ones that provide this instead of the ones who are less interested you also save yourself time. Then narrow your efforts to the one who can handle the loan amount that you need.
By doing an internet search you will get a long list of businesses that will work with you. They are aware of the fact that people do run into difficulties occasionally. You can read their pages and the comments that others have left about the service they received. They list up front what the rates are and what you can expect from them.
Shopping around can give you information on all of the available loan companies and what they have to offer. You can comparison shop in your spare time until you have found the perfect loan. You can chat with them to get more info and then make your decision. When you are ready it will also be simple to apply for your loan.
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