It would really depend on your financial institution. Large maga corp type banks such as Bank of America, Chase, Wells Fargo, etc. may not help you based on your credit standing and lack of secured funds in an account that is held with them.

However smaller banks and credit unions will usually work with you much more than the big banks will. So if you have the first situation then you’re probably out of luck in this market. If you have the second situation then you may want to speak with your local branch loan officer.

And please don’t fall for scams

Hi April
I love your name. Had a crush on a girl named April back in the day.

I think your very best bet is to find a credit union in your area and before even filling out an application, ask to speak to a loan specialist or whatever the credit union calls them. Explain your situation and being honest, tell them why you have bad credit and that you are trying to change your life and be responsible. A lot of people will empathize with you. Only then, after being honest and showing that you want to change, mention that you have a nice car as collateral and you would be a credit union member for life if there’s any way they can help you get the loan you need. It’s going to have to be a good reason that you need the money. If you can gain the loan officers trust, credit unions will tend to give you a 2nd chance. Don’t be greedy. Ask for only the amount you need. DO NOT do this if you know you’re not going to be able to pay the money back.
There’s an ebook being sold on the net that has several methods of borrowing money in times of need, It helped my sister get a loan but DON’T spend your money on the book unless you’ve tried what I’ve talked about above. If that doesn’t work then maybe the ebook will show you another way to obtain a loan. I’ve provided a link to a credit union directory as well as a link for the ebook. Please don’t go straight to the ebook though. Try the credit union first.
Take Care