First and foremost you should try to improve the points on your score card by making all the current payments on time and reduce the credit enquiries you make. It will help you to scale up your scores and thereby avail the loan at cheaper interest rates.
Secondly a person with bad credit history must save enough to make the down payment. The lenders who agree to extend the loan amount at low interest rates might demand for a substantial amount of payment in the form of down payment. So ensure that you have sufficient funds in your account for making the down payment.
Lastly borrowers should ask for quotes on interest rates and terms from various lenders as it might help them to reduce the cost of a bad credit personal loan. You can get more information about Banks offering personal loans here. To get the loan application approved, one should apply to all the online brokers who will further send your application to various lenders. Note that different brokers deal with specific type of lenders, so search out well and take the best option that can be availed.