Unsecured Loans With Bad Credit

I need a unsecured bad credit loan of $6000?
i make 48k per and am suffering from bad credit due to old doctor bills when i didnt have insurance. At that my debt is all of $4k and cannot seem to get away from this credit issue. I have 2 credit cards that are paid on time and a car loan which is also paid on time but my credit score doesnt move. I need this loan to help with a personal project and can afford to pay 20% interest over 36 months ($200 monthly) yet i cant get a good response from anyone. please help.
Cut out one of the credit cards. Pay off the debt–if you make $48K/year, you can scarifice to pay off $4000 this year.
Also, I would hold off on that personal project until you pay off the debt. Before getting FURTHER in debt, pay off the $4K. Also, 20% interest over 36 months is incredibly high.
Wait a year, save up the money and do it then. You’ll be happier AND you’ll be saving yourself money.