Is there a legit bad credit loan agency out there that will really give you a loan with bad credit?

Legit and bad-credit-loan don't go together well. There are plenty of lenders that would set up a small loan for an exorbitant finance charge. Say $1,000 at 39% interest...

If you have income, find a credit union and join. They are much more likely to help you than some ginormous bank that only cares how much money they can make off of you.

Yes.

No, there is not.

Try a credit union.

Pawn shops and pay day loan joints; big time rip offs.

If you're on social security payment benefits you have the option of applying for an advance or if it's for a important household item then you can apply for a no interest nils loan or if the product is worth more than 2000 dollars then it will be low interest but, be aware - thr scheme is only for essential items such as washing machines , fridges and beds.

You have other options though, your options are limited.

---also noticed the other answers as well.

Yes, that is called a "Pawn Shop"

HELLL YES