The first thing you need to do is take the credit.
To take a loan will not be easy. You need to look for a Bank that does not use the credit Bureau. In the extreme case, you can take a loan in an ordinary Bank, but everything will be settled exclusively by Bank employees. After assessing the risk of non-payment you will be charged interest on the loan. It is clear that they will be higher than in other cases. But once you can overpay.
In some cases, taking a loan to persons with bad credit history may be required guarantors.
To pay the loan on time. It is desirable to make the amount of the next payment in advance. You on delay of payment even for one day.
When you pay the full amount of money, your bad credit history will be closed positive. Next time will give a loan at lower interest.