It can be very difficult getting even a small personal loan if you have less than perfect credit or limited borrowing experience. Personal unsecured loans are considered risky to lenders.
Talk to your bank. If you cannot get approved for a loan by yourself, consider a co-applicant. Their credit score might carry you to an approval. But be careful; the co-applicant has the same responsibilities as the primary applicant - if you miss payments, it reflects negatively on both of you.
Do you have collateral you can offer? Getting a loan is a bit easier if you have something to offer as collateral. You can use CDs, savings accounts, or even your home. The easiest piece of collateral to use is your vehicle. The lender feels safer if they have something of value behind the promise, thus they are more likely to give you a loan.
I know you are working on your credit. The good news is, having a personal loan can improve your credit rating. If you are able to make the payments on time every month, creditors will see that you are able to handle credit in a proper manner.
Again, please see your local banker. He/she will be able to walk you through the loan process and answer any additional questions you have. And if you submit an application, they should have an answer within 24-48 hours. Best of luck!
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