Bad credit loans will typically come with relatively high interest rates, and you may only be able to borrow a relatively small sum. To access better rates of interest and to be able to borrow a larger amount, you could start by working to improve your credit score.
You could also consider a guarantor loan (where a guarantor agrees to repay the loan if you can’t) or a secured loan (where you put up your house or another valuable item as security). The guarantor and the security minimises the risk for the lender, so they may be more willing to lend you more money at a lower interest rate. However, these kinds of loans can come with additional risks that you should consider before deciding to apply for them. For example, if you don’t keep up with repayments on a secured loan, your home could be repossessed.