You might want to read (all the way) through the thread below. 

https://ttlc.intuit.com/community/credit-score/discussion/has-anyone-ever-consolidated-credit-cards-...

Here are different ways how you can get a personal loan with bad credit

• Providing Post dated checks,
• You must be ready to pay high interest rates on loans,
• Taking Secured Personal loan and more…

Best Personal loans you can apply for with Bad credit Score

• Secured Personal loans
• High Interest Rate Personal loans

Regards,

Adrian