Having a poor credit score can become a setback in getting a loan from any lender. However, it is not the end of the road in availing a credit. 

Firstly, you need to analyse the factors that resulted in your credit score drop. It could be a settled, written off account, delinquencies, poor credit utilisation ratio, late payments. You will have to clear such negative issues to get back on track. This should be your first action item when you have poor credit score. 

If you have bad loans, availing a debt consolidation loan to manage your credit efficiently. It helps you pay other loans under one channel and make you credit healthy on consistent repayment. 

If the required loan amount is low, you can also opt for a secured credit card which can be availed against a Fixed Deposit. It can also fulfil your credit requirement.