Bad credit loan?

I recntly search the web for a "bad credit personal loan" I came across two companys that said they will lend me the cash. 1st Step Financial and Waltonsgroup.com.They offered me 10,000 at around 7% They both told me I can have a co-signer or put abot 10% down by wiring the money. Has anyone dealt with either of these companies and do they know if they're legit?