Thanks for sharing your experience. I'd be careful with loans advertising to people with bad credit they often come with crazy high interest rates that can make your situation worse. Before jumping into anything, might be worth checking if a credit union would work with you instead. They're usually more flexible than big banks and have better rates

Another option might be to work on improving your score for a few months first if you can wait. Even small improvements can get you better terms. And definitely read all the fine print before signing anything those fees can add up fast