I've pretty low credit score, about 560 points. Some defaults mainly form phone companies and utilities. I'm working towards repaying these debts, but it takes time, especially if you've been out of work for 2 years.
Right now, I need to replace my car, for something more dependable. Used car dealer found me an affordable deal, I'm happy to accept. But, I need $4,500 for that to go ahead. he doesn't have any in-house financing, and when I asked at the nearest bank, they told me I won't be approved.
To make the things worse, I also need a cash loan, to help me with moving to another rental flat. All I need is $2,000 cash.
Where should I turn, and hope to get approved?
I don't have any security, apart from a chance that my mother would agree to be a guarantor. And as for the finance companies; I try to avoid them because of the huge interest rates they charge. Any advice?