If you own a house completely and have bad credit can you get a loan?

I own a house and have no mortgage. I want to take a loan out to do some repairs on home. House is worth about 30,000 I would like to take out a loan for 30% of house value about 8000-12000 I want to know if the bank will approve me for a loan even though I have very bad credit. I can not file bankruptcy or pay... show more I own a house and have no mortgage. I want to take a loan out to do some repairs on home. House is worth about 30,000 I would like to take out a loan for 30% of house value about 8000-12000
I want to know if the bank will approve me for a loan even though I have very bad credit. I can not file bankruptcy or pay off my credit any time soon. What are my chances of getting loan? Do I have any alternative options? Also my monthly income is less then 1000 a month.
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