text: looking for a small personal loan for christmass but have bad credit.  any ideas?   stay away from the quick-cash pay-day loan or check-cashing places.  they're legal usury.  if you're even a little late on a payment, you could end up owing up to 600% of the original loan.    are you in good health?  sell some plasma.  you can do it twice a week and you're saving a life to boot.  go through your old cd's and sell the ones you're done with to graywhale or another used-music seller.  there are several ways to pull money together without driving yourself further into debt.