There are some lenders who give personal loanswith bad credit also but the rate of interest will be high. So in order to avoid a high rate of interests you need to improve your credit score.
The first thing if want to get personal loans with the bad credit is to improve your credit score, so you can easily afford loan you need. Start by making payments like credit cards and decrease your balance on cards up to 30% of the limit allowed. and don’t apply for any new card.so if you maintain these easily you can increase your score up to 70%.