You could get a personal loan with a credit score of 550 if you have someone cosign the loan agreement and you have something such as a vehicle to put up as collateral.
Or you could go to One Main Financial and try to get approved for a personal loan through them since One Main Financial has no requirement of a minimum credit score to approve a person for a personal loan.
If you do get approved for a One Main Financial loan then your credit rating will improve overtime as long as you make on time payments and never miss a loan payment and keep it in good standing.
When your credit rating improves you could then get loans from other loan companies or banks and pay a lower interest rate on the loan.