How to apply for a loan? - Other Questions

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Credit Card Applications » Questions » User Questions » Other » How to apply for a loan?

How to apply for a loan?

Answered on | Updated on March 25th, 2018
The content is accurate at the time of publication and is subject to change.

If you decided to apply for a personal loan, here’s what to do to apply:

1. Check your credit score. Since most of the lenders look at your credit history, you should make sure everything is correct on your credit reports. Then check your credit score simply to know where you stand and what loan amount and rates you may expect.
2. Compare lenders. Different lenders may offer different terms. Plus, check the interest rates: look for fixed interest rates as they won’t change as you repay your loan. Then look at the repayment terms to make sure you will be able to handle the payments.
3. Provide necessary information. When you choose the offer, you will need to provide some personal information. Some lenders may also ask you to send them a copy of some documents like proof of your income, driver license and your SSN.
4. Wait for decision. Most lenders are able to respond within minutes and if you accept the offer, you can receive the money in a couple of business days.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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