There are so many reliable online lenders and NBFCs who provide small loans to individuals with bad credit. Instead of using credit score to evaluate creditworthiness, many lenders use alternative methods like social media, income and employment.
Besides short-term loans, a secured credit card could be a viable option to get funds for your immediate needs if you have bad credit. Most banks offer secured credit card against a fixed deposit of certain amount. Hence, even with a bad credit, you can get funds with a secured credit card.