I need a consolidation loan, but have bad credit…?

I’m in need of a small consolidation loan.

I have poor credit, from past mishaps. I do not have any credit cards, and do not have a spending problem. My need for this loan now stems from having unexpected car repair bills, health problems (medical expenses) and other things beyond my control. I don’t have cable or internet or anything that would cause uneccessary spending – I’m very “frugal”. :)

Is there an organization that would offer me a consolidation loan to help with a few expenses so I can pay ONE place the monthy payment, instead of trying to come up with about 5-6 different payments for all these places I owe money to?

Please, no lectures on credit and debt counseling and money-spending habits. None of my issues were situations that I could have prevented, so I’d prefer just to get answers for what I’m asking, not lectures. I’m good with money, just need a little help catching up.

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