Haven't tried, but I'm pretty sure you'll need a co-signer with income. If you asked me to lend you money with a low B credit score and you had to pay it back starting NOW, I wouldn't trust you to pay it back. This is to say that you seem like a risk because you'll be paying this loan with a loan. You'd be less risky with a co-signer with an income so if you default (which, to them seems likely), they will still be able to get their money. Keep in mind that every time you try, it shows up on your credit score which hurts you and reduces your chances of getting the loan.