Unsecured debt consolidation loan can be considered one of the perfect financial solutions for people who have no fixed asset. To be frank, this type of loan can be obtained easily by people who have good credit history. However, what if the credit score of a person is bad? Can he or she still stand a high chance to obtain the loan? I would say the process is quite challenging but it is still possible. Let me share with you how it can be obtained successfully if you have poor credit.Firstly, you are advised to look for non-bank lenders who normally offer financial assistance for people with low credit score. You can check with your local credit unions for their personal loan rates. In general, credit unions usually offer lower interest rates on unsecured loans if compared with conventional banks. You can save most cost on finance charges if you have relationship with credit union.If you are not the member of credit union, you still have chance to receive unsecured loans. You are recommended to look for a co-signer with good credit history. Your family members or friends may not be able to lend you money but they can lend you a hand. You can get anyone of them with good credit score to be your co-signer, jointly apply for the loan. By doing so, you will be able to obtain the unsecured loan easily without collateral.In today’s business world, there are many debt consolidation companies in the market which are willing to offer you unsecured loan even if you have very bad credit. These consolidation firms will then bill you every month until your loan is fully paid off. The only drawback is the interest rate. The rate will be relatively higher if compared with regular loans due to your poor credit.To sum up, having poor credit does not “deter” you from consolidating your debts. Go ahead to seek for financial assistance with the right strategy.