Best place to get a $2,000 loan?

So I took out a $10,000 loan a few years ago because I had to get a new HVAC unit in my house. I was supposed to pay $75 a month for 10 years, but after a couple of years, I was doing ok financially and so I refinanced the loan with a Discover Personal Loan and have been paying $266.06 a month and it will be paid off in 4 years. I'm on my last year and it should be paid off by the end of this year.
Problem is that paying this off, as well as some health problems I have had to buy a lot of medication for monthly, I am in severe financial difficulties now and am terrified of losing my home.
I'm desperately trying to find ways to save money each month so I don't lose my home. I have cut out all energy drinks, only eating once a day, and have discontinued my Apple Music, my iPad, cable, and have changed my plans on cell phone and auto insurance for discounts.
Today I was thinking about my Discover personal loan and was wondering if I could take out a $2,000 loan with another company, pay off the $1800 Discover loan and have much smaller payments, even though it wouldn't be paid off this year.
So is that a good idea? The $266 a month I am paying is eating me alive and I am desperate to get that payment down.
Besides Discover, what are some more good companies that I can get a fast loan from? I do have excellent credit.

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nonsensiclesnail · F

you should check with your bank, they may be willing to give you a small loan or a line of credit to use for emergencies.

Mardrae · 61-69, F

@nonsensiclesnail yeah, I did that years ago to build up my credit. Problem is, the money just comes out of savings account and I am already having to transfer money from there each month now to pay my bills. So that's not an option

nonsensiclesnail · F

@Mardrae line of credit against your house? those make me nervous..but borrowing money makes me nervous.

Mardrae · 61-69, F

@nonsensiclesnail well I had to take out the original $10,000 loan for the HVAC system. Can't go without heat and air for sure. And not too many people have an extra $10,00 laying around to buy one up front. I had to do the same thing last year with a new $10,000 roof that my insurance company FORCED me to get or they would drop me. I had planned on refinancing that loan once I got the HVAC unit paid off but I don't think I would do that now.

nonsensiclesnail · F

@Mardrae I think I would have dropped my insurance company. SAFECO paid for my mother's, all but her deductible because it was an old roof. I;ve enver heard of such a thing.
there really are only so many options, espcially now that interest rates are insane.
Have you considered prostitution?

Mardrae · 61-69, F

@nonsensiclesnail all insurance companies are like that here. I shopped around and got estimates from several companies and each one gave me a big list of repairs I had to do to be insured by them.
I certainly hope you're joking about the prostitution comment. I'm an old ugly lady and even if I wasn't, I have morals.

nonsensiclesnail · F

@Mardrae I am just joking. And really, even if you were a gorgeous woman thats a ....well, not really an answer. its a nightmare.
im jsut not sure how else one might proceed.

Mardrae · 61-69, F

@nonsensiclesnail me neither. Sorry- I really thought you were serious 😂