If the loans are to file in a want or a luxury, then you are not eligible for loans, this is because you have to control your wants and keep them vanished, until you are financially strong to avail them with your own pocket. You do not want to come into the category of Loans for people with bad credit history.
If you really are in a need of loans, then there are many financial institutions, companies, and even people who may want to give you loans not on any interest or a default rate of amount. They would give it on a regular basis.
Your friends may be willing to help you in your worst financial condition, but if it is only a need to be fulfilled. If you want to live lavishly and for that you need to take loans, and then forget it. It is not a wise decision. When you are not able to afford your needs yourself, you will not be able to afford the loan cost as well.