Is there a good loan program with a low monthly payment and decent APR?

Question by charlie6385: Is there a good loan program with a low monthly payment and decent APR?
I want to pay off some things in one sitting and pay for one loan but I'm not for sure where to go. I've been trying to pay off these bills but I can't seem to catch up since I have more than one. And I know APR rates can be nuts. I'm not expecting to get a low APR since I have bad credit, but not something outragious. Does anyone know anything like that out there? Or another alternative I can

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