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There are actually consolidation loans for people who have bad credit called bad credit loans. As an example of this, Direct Lenders Finance offers loans for people with bad credit up to $10,000. These are unsecured loans with terms of six months to five years. Unfortunately, you will not be able to see your interest rate until you have submitted your information and met their “minimum requirements." So you could go through the entire process only to find that you would have a sky-high interest rate beyond anything you would want to pay.
Find a cosigner
You might be able to get an unsecured loan with a reasonable interest rate if you were able to find a cosigner. This is a person who would sign for the loan along with you. He or she would have to have a good credit score and a good credit report. Banks and credit unions look favorably on cosigners because should you miss a payment or more, they have another person that could make up the difference.