This sounds exactly one of my relatives need. This person is permanently in debts and permanently looking for loans from us. I am so tired of the situation. Sometimes, it is not that we cannot afford the few thousands but the thought of giving money to people who refused to improve their money management is just not worth it. I would rather donate that amount to some kids' shelter than to lend with no return.
Credit Cards For Bad Credit will be ideal for people like that. If they still cannot get their income and spendings balanced, then, let them deal with the credit companies. At least the pinch of paying for interests will awaken them from their slumber. With personal loan, they don't feel the increasing interests strangling them so they keep on spending.