My credit is shot, I need a loan to pay back on 3 payday loans.
You must have something in your hand like property or job to ask a loan. I don't know the reasons why the banks not approving your loan. There are institutions which offer free grants, you must visit the following search link and find the institution which bests suits you.
Try a small loan outlet in your area they seem to want to help ppl like us. They will start you with something like a$100.00 then if you pay on time they'll move you up with more each time. This will also help to improve your credit