In some cases, you can take advantage of a loan from family and friend if you need as much as $4,000 dollar for a loan, especially if you have a bad credit and you never want another expense of paying too much interest. Families and friends would normally not charge you interest, or they would only put on very small interest if they charge at all.
But for some reason, it is quite embarrassing to ask for financial help from people you do know. In some situations, it is much better to hide the fact that you are in some sort of crisis. In his case, you could only get a help from banks or other lending companies. But of course you still want a lesser interest rate, and it is hard to find one that will take advantage of your situation and the least you can do is to choose carefully which the best is by comparing its rates and charges.
The wide availability of internet offers an advantage of getting this loan, as there are many individual and corporate lenders that are willing to provide even for larger sum of money. The best approach would be to compare quotes on each one of them; you also must include other things into consideration like payment terms so you will know whether you are able to meet their requirement. On the other hand, if you find that most of them are charging so much interest, which normally occurs, it would be best to consider help from banks. You still have to compare prices, they offer lower rates of interest but would mostly require you of collateral.
If offering collateral is not an option for you, then there is no way you can go but just choose the best one from among these lending companies. After having your loan granted, your next step is to find ways on how to finance your debts properly so will prevent as high as 5,000 loan in the future.