550 is not a great credit score so it can be difficult to get a personal loan or any type of loan including credit cards with a 550 credit score.
Usually to get a personal loan or any other type of credit the lending company will want at least a 600 to 650 or above credit score.
However when I had a credit score of 550 I was able to go to One main Financial and get a personal loan through them.
One main Financial will usually work with you on getting a personal loan and as long as you pay back the loan on time your credit score will increase as a result.
I was able to get a personal loan of $5,000.00 through One Main Financial loan company when my credit score was only 550.
Sometimes with other loan companies you'll need to have a cosigner sign the personal loan agreement with you and the cosigner will need to have good credit of 600 or above.