I would suggest that you don’t take out a sizable persaonl loan at all. If you can’t afford your living costs and you bills together at the moment then you will definately not be able to make they payments towards a loan.
I think that you should contact your bill providers and negotiate a lower payment plan, make the payments out of your income ONLY and once your back on track start usng small amounts of credit and pay it back monthly to boost your credit rating.

what ever collateral you have put it on criags list alot of people are investing in people rather than banks also you can sell your stuff and go into credit repair alot of companies do this and dont get married thus not joint issues or divorce

http://www.cashcall.com/

Very poor credit = very poor financing terms. Be prepared to get raped in finance charges.