When you have a bad credit score there are a few things you can do to get a loan. The first is to get a cosigner, someone with good credit. A lot of the time if you can get someone to sign with you you can get the loan.
Of course this depends on what the loan is for, how much it is for, the credit score of the person you want to sign with you, and how bad your score really is. The second is to visit a bank or credit union that does high risk loans. Once again, they may work with you depending on how much the loan is for and how bad your score is.
When you have a bad credit score it is going to be very very difficult to get a loan. If you want to try to build your credit score back up you can apply for a credit card with a credit repair company. It won't have a high spending limit, and it will most likely have a high interest rate, but it will help you in the long run.
Of course it won't help you get a loan now, but it might help later.
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