Who do you bank with? You would normally have to run your account in good working order for a minimum of 3-6 months with no charges being applied to be eligable for a loan. Banks use an internal scoring system as well as external credit scoring so its always good to have a "high" rating within the bank itself.

Have you asked them for a overdraft facility?. What do you need the loan for and is it really that urgent? If you go to a sub prime lender you will likely to be paying 50+% APR and will cost a fortune in monthly repayments.