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Bad credit loans not payday loans If you have debt problems, try to solve them with your creditors as soon as you realize you wonât be able to make your payments. If you canât resolve the problems yourself or you need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are free or low-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. Some providers of bad credit payday loans actually allow borrowers to recycle their loans before they become due.Â This does not mean that you will be subjected to higher interest rates but more of having to pay an additional fee for the renewal of the loan.Â The renewal may carry the same interest rate as the original loan.
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