Unfortunately, paying fees and higher interest in a near certainty for those people looking for financing with bad credit.
There are bad credit lending networks that can help you find the best deal. Usually, however, it's unlikely that these lenders will loan that much money to you the first time that you work with them.
Typically they limit the first loan to a bad credit risk to $1500 or less. After they see that you are ready, willing, and able to repay the loan in a timely manner, they will be more willing to loan you more money, sometimes as much as $25,000, depending on many factors, of course.
Here are a few bad credit lenders: http://fastsignatureloan.com/bad-credit-signature-...