Alternative to Payday Loans with Bad Credit I am I dire need of loan but I have bad credit. I have been wanting to get a loan that I do not need to pay back right away, I was looking for an alternative ...AnswerHello! Thank you for contacting us you have come to the right place! Magical Credit is a short term private lender, we offer installment loans and our terms are from 6 months to 12-24 months ...