You can always do that if you know the right way to apply for the loans. To compensate the weakness on the part of credit rating, gather the income proof. This makes the loan approval for direct lenders for poor credit people on installment loans easy. If something besides income (job) adds in your earnings through rent, freelancing, and part-time job then do not forget to mention. Do not make multiple applications to many lenders at the same time. It can leave many search footprints and you can get rejected. Better income means you can qualify for desired loan amount.