My friend is getting divorce and she has a car loan with her ex as primary. She is looking into getting a loan but the credit union with which she has the loan denied her since she has not enough credit. She has applied though US bank and got denied as well. what other place is good for obtaining refinancing loan for this situation

I’m wanting to add on to my home but I’ve never used a home equity loan. I have used the refinance method where you borrow a little extra to add on. What would be the best now, with the way the economy is and the interest rates unstable?