It is still possible to get a loan even if you have a mark against your credit history.
Bad credit history doesn’t mean that you can’t borrow. You still can borrow. There are lenders out there that are willing to look at your situation, understand your story and give you access to loans so that you can start your financial journey.
The types of loan available in this situation is a loan you would typically use as a stepping stone to get you into the market right now, if this is what you need. It will need to be reviewed often, once a year as a minimum so that when you are ready you can move your loan to a lower rate either internally with the same lender or look at even refinancing else where.

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