Do I qualify for a loan?
How to get a loan easily

Good: Go local
The local bank is still your best bet, and your odds are much better if you have a history with them, such as a savings account Gran opened for you years ago.

Bad: Giving the consultant a sob story
Don’t tell the consultant your life story or cry! Be professional and polite.

Good: Negotiate the interest rate
Don’t accept the first rate they offer. Research the prime rate and ask for a lower rate.

Bad: Not knowing how much you qualify for
The amount you qualify for depends on your income credit risk. You could qualify for 1 to 3.5 times your gross income; don’t ask for more than that—you’ll be disappointed.

Good: Use a loan for something important
They need to know why you want a loan, so ensure it’s important, for example, fixing your car. If you want to go away and haven’t saved, they’ll say no.