B..
What is the company? A lot of these places are massive scams. There are scams that have been around for decades, so 10 years doesn't mean anything. What is the interest like? What are the rules of the loan. If you don't make a payment what happens? Many places, if you miss a payment you gain interest...BIG interest. It's like that payday loans. When you can't pay it back, you end up having to pay the huge interest...which means you're stuck in a cycle of paying and paying...and you never make it ahead. To be quite honest, most legit places won't give a loan to bad credit now. Google the name of the company with "scam" behind it. (ex. Loans are us scam) You can do that with anything, so you have to be careful to read legit reviews. If a lot comes up, and there is nothing positive said...move on.