My credit file is way below the average for

My credit file is way below the average for the regular lender to give me the credit that I want. I would like to take a loan of about ?1,000 to make DIY and until now not a soul wants to loan me the money. I have heard that you might get special Loans for People with Bad Credit which ought to be more value than fast cash loans, which seemingly lead you into a loan cycle. The interest rates on payday loans, are really poor - are bad credit loans better? I am not satisfied to take a secured loan on my property.