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Your next step would be to call a few small lending companies and tell them that you are interested in a personal loan. Make sure you tell them up front that you have a few negative items on your credit report and you have a current copy of your credit report. If the lender is willing to go over the credit report with you over the phone, they could tell you if you should put in an application with their company. For example, some lenders will not approve anyone that has an R-9 on their credit report. This process will increase your chances of finding a lender that will accept your application with out decreasing your credit score. This process is important because your credit score will get lower every time you are turned down for credit. guaranteed auto loans in new jersey performing loans car loan amortization car loan online personal fha loans adjustable rates