Do not touch the Loans offered on TV, to people with bad Credit Ratings. Repeat, Do Not Touch those loans. I very recently dealt with someone who borrowed E10K from those pirannhas, and, I nearly vomited at the Terms and Conditions attached. Like...the E1,500..."handling fees", and the fact that the poor borrower will pay back almost 27K, all told!!!
Also, be aware, that Credit Unions are quite entitled to see your Credit Rating, and they can, and they often do, refuse loans too.
Most people do not realise, but a bad credit rating, generally takes 7years to eradicate. All Banks have their own way of "grading" customers, but, it all boils down to the same thing, you either are deemed worthwhile, or, you're not. And, apart from been refused loans, if you have a bad credit rating, it can affect you in a zillion other ways too. And, not just in Ireland either. You can go to Oz , the USA, or any European country, and your bad credit rating can come back and bite you on the bum, when you least expect it to. Believe you me, International Banks...DO cross check.
My suggestion would be that you do not attempt to borrow, at all, from any Financial Institution, because you will only have it added to your record that you were refused. Build up your funds by getting another job, or borrow from your Ma or your Uncle Mick, or live on Tesco noodles and pasta for 3 years, and save every Euro you can scrape together.
If your credit rating is really bad, then obviously you have previously defaulted on payments? So, why, should any other Financial place, take a risk on your word?