If you suspect your credit may not be very good, you can try to improve your score by paying down debts such as credit card balances, avoiding making unnecessary credit report inquiries which may drive down your score, or by completing a Webster First Credit Restoration Loan^.
If you don't qualify for a loan yourself, you can try re-applying with a co-signer. A co-signer is not a guarantee of approval, but it may help you get approved. For more information about qualifying for a loan, click here.
^Proceeds will be put into a certificate for the same term as the loan. The full original amount of the loan will be held until the loan is paid off. No withdrawals can be made from the certificates (even with penalty) unless the loan is paid in full.