I need to find a private lender thats not a fake an is in the USA?

Answer 1

1) The above two responses are scammers. Apparently, the scammers have switched to female names for some reason.

2) If your credit is bad, finding a legit place to lend you money unsecured is going to be next to impossible.

3) Try Prosper.com. They are legit. I can not guarantee a loan but many people have received loans through Prosper.