Any companies that will loan bad credit loans?

My credit is shot with credit cardsbut i would like to get a loan of @ least 15,000.00 im sure i will need a co-signer but i knw for a fact i could use my mother as a cosigner she does not have perfect credit but she does get approved from different companies like citifinancial but they denied me of a loan. I just need to know some places to look to get a loan w/ orw/out a cosigner.Please help!

this company will do personal loans but the interest will be higher,

there is no money to pay upfront : http://www.jensden.com/g.o/autoprt