Your score is too low to qualify for a loan. You would be considered a high credit risk and the lenders will not lend to you. There are two effects regarding credit. Your score and the "negative" remarks on your credit reports. For example, if you have a drag on your score because you are carrying too much debt this is an easy fix. Let's say your credit limit is $3k then you do not want to carry more than 30% balance on that card or $1k. If you can pay down your credit cards then this technique could boost your score quickly 6-8 weeks and you might be able to qualify for bank financing with a higher credit score.
However, if you have multiple late payments and "negative items" on your reports. This is credit repair and this is what I can assist you with. I offer credit repair and credit education. My company has helped 100's of clients improve their credit rating, this process takes 4-6 months.
Look for me in the June issue of INC Magazine discussing credit restoration for consumers with less-than-perfect credit.