Long-term installment loans are a great idea for buying flats and having lavish weddings. But they become a tad difficult for those who do have bad credit. Then it becomes a choice of little variation and the client may have to mostly suffer.
You may try using his savings account vigorously: Taking money one day and putting another. This is accounted as monetary activity. Then you might have to show a corollary; it might be your job, your business, your owned plot or valuable fixed assets. You may try to correct your bad credit with the authorities using a bit of discretion.
Some companies have made an initiative and give the loans to even bad credit holders. The interest rate in such case is high and the details very coherently put the client. They may need a couple of good references though. But it is hard to get a great amount of loan with bad credit.