<prompt> Human: I recently had my vehicle fail inspection and the shop quoted me 1200 for the repairs needed so I applied for a personal loan through my bank but was denied. I looked at other loan companies but theyre out for blood of your first born with APRs around 299! Im desperately trying to figure out how to come up with the money and would greatly appreciate some advice.  <response>: Apply for a credit card with a low inroductary rate. 