1. Demonstrating stable income- You can boost your eligibility by showing proof of stable income. The higher your income to the minimum criterion, the better your chances. Also, if you work for a reputed employer/company, it also makes a better impression on the lender. 

2. Lowering your debt-to-income ratio- The debt-to-income ratio denotes the proportion of debt to your income. You can reduce this by paying off credit card dues and other liabilities before applying. Maintaining a low ratio will improve your chances. 

3. Joint personal loans- These loans allow you to bring a co-applicant on board. It may enhance your eligibility and chances of approval. You can apply with your spouse, parents, or siblings. However, your co-applicant should have a high credit score while applying. 

4. Additional documents- Lenders may require extra documentation to sanction a personal loan if you have a bad credit score. Also, ensure that your documents are well-organized, including KYC documents, salary slips, and bank statements. 

5. Choose a lower amount- In such scenarios, selecting a smaller loan amount may increase your chances of approval. It may convince the lender about (About What?)

6. Do some research- Some lenders may be willing to offer personal loans to borrowers with lower credit scores (550-600 or so). If you find these institutions, it may be more beneficial for your needs. It will help you finalize the lender since applying to multiple places will negatively impact your credit score and report.