I know you might not want ot go down this route, but, I had quite bad credit and couldn’t get a loan, but Barclaycard are quite liberal with their credit card. I got one straight away, you get £2500 (when maxed out that works out at £45ish interest a month, so not tooo ridiculous). Then, you could try mya for the rest? You get it interest free for 1 year. So you can then concentrate on paying off the credit card over that one year, so can afford the loan payments for mya when they come about. Obviously, credit cards can be dangerous!! BUT, that’s what I did (I was desperate for it too
and so happy I did it)…
Also, my boyf didn’t have great credit but last year got a loan through ‘ZOPA’ it’s not a bank, it’s like a group of independent lenders who can choose whether or not they want to lend you the money, might be worth a try?