Are there any real companies that offer bad credit loans?

I lost my job and had marks put on my credit now i,m working and i want to consolidate everything into one payment pay the bills on my credit report and re establish my credit a 5ooo loan at a repayment of 165-200 per month wouls save me 600 a month in fees

There are, but the are difficult for two reasons. 1) They will require some sort of collateral, if they work with bad credit people, some will not pay even if that someone is not you and they need to make that money up some how. 2) Also, because they lose money on more loans than companies that loan to higher credit rated consumers, they must charge a higher interest rate. Another option for you might be one of those debt consolodation groups. They contact your creditors to lower your rates and fees, then you write them one check and they pay your bills for you (I think), but even though they are non-profit, they still charge a fee to cover their expenses.

www.prosper.com