When looking for credit with bad credit you have to be selective and follow a strict plan of attack. Every personal loan company is looking for different qualifications. There are actually companies out there that will consider your overall story vs just a credit score. These companies will allow you to tell your story about why you fell into hardship or why you may have a few negative items reporting to you credit.
You can also look at trying to restore your credit by the use of a credit repair company. These companies will analyze your credit situation and put a plan of attack in place that will allow you to obtain the highest score possible. They do this by disputing and removing negative items off your report.
Sometimes obtaining a credit when you have bad credit means starting with a lower credit limit and establishing trust over a period of time. There are many ways to do this including prepaid credit card that allow you to build credit much like a regular credit card would. These cards are easily obtained through local banks and finance companies.
You also may want to consider getting a cosigner or being added as an authorized user on someone else account. Bottom line, the more positive things you have reporting to your credit report the better.
Credit rating is important and is made up of payment history, debt owed, credit length, inquiries and mix of accounts you hold. Using a company to help you optimize these areas are key to finding credit with bad credit.