My credit status is far under ideal for the

My credit status is far under ideal for the normal financial institution to offer me the borrowing that I wish for. I would like to take a loan of approximately a thousand to undertake house repairs and until now not a soul wishes to offer me the funds. I have heard that you may obtain special Loans for People with Bad Credit which must be superior than payday loans, which alledgedly drag you into a loan cycle. The APR on fast cash loans, are very bad - are loans for people with bad credit better? I am not happy to apply for a secured loan on my house.