A few years back I was in a situation where I needed $8000 to consolidate some super high interest rate credit cards (25%apr)
I had less that good credit and found about Lending Club online.
You have to sell yourself and the reason for the loan. Many individuals (investors) fund your loan and they can be really picky.
I luckily got my loan fully funded at almost a 12% interest rate. Less than I was paying and lowered my monthly payment a little too.
Its not for everyone and not everyone who applies gets a loan.
Just a thought.