Instant Car Loan

Does anyone knows of a good Instant Loans For Bad Credit?
I need about $3,500 dollars in order to be in good standard with my bills. I am doing soo bad. I get paid every 2 weeks and my paycheck goes straight into my overdraft account everytime for the past 4 paid periods. I am in need of a loan for at least $3500 in order to get better and not loose my car and my car insurance. I have applied to a few loan companies, but i always get denied for my bad credit. I am also looking for a part time job for late eve, nights and weekends. I am currently working FT and in college FT so it will be really hard for me to get a PT job, but I I have to do it at least until im debt free. I live in Bronx, NY. Does anyone have any suggestions? Please help, Im desesperate.
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