The terms unsecured and low rate wont usually be used to describe the same loan. Usually in granting an unsecured loan a bank is taking a greater risk with you and will therefore charge more interest. This may be about 2-6% more per annum than a secured loan for the same amount.
Unsecured loans for someone with bad credit will almost definitely have bd interest rates as someone with bad credit and no security you would pose the biggest risk for the lender.
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Unsecured loans, especially for people with poor credit are likely to be of lower value in the region of a few hundred pounds. This is another way that the banks can limit their risk, when lending only small amounts at this high risk level. If you need a bigger loan amount or a less interest rate it will be beneficial to shop around.
I may need a loan with low rate someday, it can be useful to do the research now to find the best value loan. You should always seek advice from a qualified advisor.