[Not Insane]

If the rest of your credit is good, and this is only $200, I would simply write a letter to whoever is thinking of giving you the loan. Explain that you are not paying this $200 due to the principle of the thing. That is very effective.

The key is that this is a small dollar amount and it is the ONLY "hit" on your credit. These lenders are people too.

[IFly4Him]

Good idea, but I was already told that wouldn't work in this case - stipulation on this particular loan.