A loan by definition is when someone gives money to someone else with the understanding that the money will be paid back plus interest. If you have proven that you can not be trusted, plus you have a low income, the probability of getting a loan is low. My suggestion is to get a secured credit card. You have to put up the money that you want as a credit limit (often between $300 and $3,000). Once you have the card, only spend between 10 -20% of the available credit. When the monthly statements comes in, pay it off immediately. Due this for six months and your credit score will increase.