Where can I find a list of lenders that offer bad credit loans w/o a co-signer?

I am looking for a personal bad credit loan. Not a payday advance. No application fees and no money upfront. No lender referal fee services please. I need at least $5000 or more. I have searched and came up w/ negative and costly results. Please help. Thank you!

That's a hard one. Are you in school? If so, you can always take out an in school loan from a lender such as www.nelnet.net. If not, try your local credit union. It's easier to get a loan through a credit union than a bank. Sorry if I wasn't helpful.