There are numerous factors that contribute towards your success in getting a loan. First of all, you need to know that people with bad credit will find it very difficult to obtain money from a financial institution. Contracting a bad credit loan is very difficult, but there are alternatives to getting your hands on some money.
You first option should be to consider lending some money from your friends or family. It's important that you take this money from people you trust, that won't charge you interest. The good thing is that friends and family can be pretty flexible when it comes to the deadline for returning the amount loaned. Credit institutions are not that forgiving. On the other hand, once you have promised to pay them back by a certain date, it's important for you to keep that promise because those people may never support your financially in the future otherwise.
When you are looking to get a bad credit loan, you need to seriously consider the collateral problem. Most financial institutions are looking for some other material guarantee that even if you won't be able to pay back your debt, they won't actually be losing any money. This means that you could lose your collateral (which is generally something of great value, like your home or your car) if you fail to pay your debt. You want to avoid being put on the streets, so make sure that you have enough monthly earning to cover the credit installments and not lose something else which is even more valuable.
The last tip is to be really careful with suspicious financial institutions. Some faulty institutions are glad to help people with a bad loan credit and will lend you the money while hoping you won't be able to pay. The fees they charge are amazing, especially if you are late on your payments.