In such short notice, it may just be better to ask for deferral until you sort yourself out.
The easiest option is the government postgraduate loan, but you mentioned that you won't be eligible.
The other option is the co-op career development loan. They do check your credit rating however, they know the majority of applicants are students so they don't expect glowing credit ratings.
There *may* still be time to apply for scholarships (take a google search) but this may take a while to come through.