Thank you for sharing your question and situation with us.
If your credit score is below average, you may find that credit lenders are willing to lend at a higher interest rates, fees, and terms. You may want to speak with a financial advisor and be mindful of the terms you agree to so that you can pay the loan off in a timely manner while maintaining your current lifestyle.
I hope this information is helpful, please feel free to connect with us if you have any further questions.