This paper considers the bit loading problem for communication systems that utilize orthogonal frequency division multiplexing (OFDM) in conjunction with precoding (POFDM) or time-domain interleaving (IOFDM). In particular, we propose a new bit loading algorithm for P/I-OFDM that has substantially higher effective throughput and less computational complexity, when compared to bit loading in conventional OFDM systems. The obtained results show that the effective throughput of P/I-OFDM can be more than fourfold the conventional OFDM while the complexity is less than $1.5\%$. Moreover, the results show that the peak-to-average power ratio (PAPR) properties of the considered systems are preserved under the adaptation process.