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I'm desperately looking into bad credit loans after being knocked back by my bank twice this month. My credit score took a hit last year when I lost my job and missed some payments on my credit card. Things are different now - I'm working full-time with stable income and can definitely afford repayments, but my credit file still looks terrible. Has anyone here successfully used Quickzy Finance or similar lenders for small loans bad credit?

I need approximately $3,000 to fix my car's transmission because I can't get to work without it. From what I've researched online, they apparently do quick loans bad credit assessments based on your current income and employment situation rather than just looking at your credit history like traditional banks do.

Are these fast loans bad credit providers actually legit and trustworthy, or should I be worried about hidden fees and unfair terms? I'm really looking for honest, real-world experiences from people who've actually dealt with easy loans bad credit companies. Did they treat you fairly?

Were the fees reasonable? How long did approval take? Any genuine advice would be massively appreciated before I submit my application and potentially make my situation worse.