You can borrow money even if your credit score is not perfect. Banks and credit unions will usually do a credit check before approving your loan application, and you will probably not be able to borrow money from one of these institutions if you do not have a good credit score.
If you do not qualify for a loan offered by a bank or credit union because of your credit score or because of your limited credit history, your best option is to look for a lender who offers personal loans for bad credit. A lot of lenders will let you borrow money without checking your credit score but you might have to meet a few requirements.
The downside of personal loans for bad credit is that the fees and interests tend to be higher than what a bank or a credit union would charge. However, these loans can be a good option if you only need to borrow a small sum of money. This could for instance be a good way to cover an urgent bill or to finance an important purchase.
You should consider applying for a personal loan only if you have a way of paying the money back within a few months. Typically, lenders will expect you to pay the loan back without a month or two. Borrowing money for a longer period of time could end up being expensive since fees and interests will add up.
You should do more research about different local lenders and online lenders to compare your different options. Look for a lender who has a good reputation and who offers reasonable fees and interests. Read the terms of the loan very carefully before submitting your application and ask questions to find out how much you will spend on fees and interests.