In our days there are a lot of people having problems, losing their jobs. In this case having a bad credit is not uncommon and you also have to know that there are ways in which people like you could get personal loans, altough many traditional lenders are not going to give you any money and reject your aplication right away. You have to understand banks if they're not going to give you any money, it's a business and you have a business to, you want to get some money, with lower interests, so they are willing to win some money, if you provide a risk then they're not going to be sure you could be a source of money, so they won't accept you.

   If you're going to want to take a personal loan, there are going to be some sort of problems. You can't expect that everyone is going to give you the money, but neither that no one is going to give you the money you need - it's a business, there are alternatives but you have to research about a catch and be sure you don't run into more problems. 

   Getting an unsecured loan from a traditional lender would be a complicated thing to get: if you don't have a good credit score then it's going to be a lot complicated to get this type of money. Maybe you could get some sort of secured loan with a collateral, but don't get into any dreams until you really know you can do it.

   When you get a personal loan you should expect higher interest, rather than traditional loans, this is a business for bad credit that is doing money from them.  

   There are different types of personal loans you could get:

• secured loans - in this case there is always a collateral; in the case you're not respecting your payments the lender is going to take and sell your collateral and get the money from you back.
• unsecured loans - no collateral, bigger interest.