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.