If you are desperate for a new loan, it is probably because you cannot afford to pay all your bills and still afford the things you need.
It is likely that you already have some debts and these also make it hard to cover your costs and still pay what you owe.
If so, rather than digging yourself further into debt why not go talk to an expert (like a Debt Counsellor) about getting out of debt entirely?
They can offer you budgeting advice and can discuss the option of debt review with you. Consumers in debt review often get reduced interest rates from credit providers, pay only what they can afford each month to their credit providers and get access to professional budgeting and legal assistance.
Don’t fall into the waiting arms of loan sharks and mashonisas. Rather make arrangements to get out of debt.