If you have a low credit score and are in need of a personal loan, it is possible to get a loan even with a low credit score. There are a few options available for those with low credit scores. Credit unions typically offer personal loans at competitive rates and are typically more lenient when it comes to approving loans for those with low credit scores. Online lenders and peer-to-peer lenders also offer personal loan options for those with low credit scores and may have looser lending criteria. While interest rates may be higher than that of a credit union, they are typically still competitive and offer more flexibility than a traditional bank.