The best option for unemployed people with a bad credit score is to go for a secured loan against gold or property. This is a quick process as you can approach the closest lender and pledge your gold or asset for a loan. This process is easy as minimal documentation is required for the loan approval. These loans have lower interest rates than a personal loan or credit card loan as they are secured. Tenures are flexible. Another option would be a personal loan. This is harder to get as it is unsecured. The interest rates will be high and non-negotiable.
You could subscribe for Credit Mantri’s Credit Improvement Service (CIS) and better your credit score so that you can avail loans at low interest rates.