What is the most difficult to get a personal loan or equity and what score do they have?

Maybe as low as 620 in some credit unions if you have an account there for years without discoveries and the like. But often 680+.

But frankly, personal loans have been replaced for a long time by credit cards.

Payday loans, securities lending and pawnbroking are poorly advised but available in many states.

Credit-worth loans are predatory, have very high rates and are a good way to lose one's home.