I don't know how much you'd like to borrow, but a Kiva loan may be an option for you. These are online crowdsourced microloans of $1,000-$15,000. so you'll need to develop an online profile and story, but they are 0% loans for 3 years and they don't rely on a credit score. Lenders are people like you and me who loan as little as $25. When you get to the online platform, you'll have access to nearly 2 million lenders worldwide. Some communities, like southern Arizona, have Kiva Hubs, that provide assistance to borrowers throughout the application process. I don't know if your community has one, though. If not, simply go to Kiva.org to check it out.