Loans Guide

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Loans Article

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Applying For Your First Loan

Loan & Credit Facts

Applying for one of the many type of loans available for the first time can be very nerve wracking, especially if you have no idea what is involved in the process. Some of the several loan types available include:

• Student loans
• Business loans
• Mortgage loans
• Car loans
• Personal loans

The first thing you need to understand is that most lenders such as banks or mortgage brokers make more money giving people loans than not lending the money, so prefer to approve loans rather than reject them.

Lenders will look at the loan application to help them decide whether to approve or decline your loan. They look for information such as a sound, steady employment record, working at the same job for at least a year, steady income and the assets you have such as personal property and vehicles.

Other things that work in your favor and make a difference in whether you get a loan is proof of savings, bills paid when due and low credit card balances with sound repayment history. For people that rent, lenders are looking for on-time rental payments or payments made in advance.

When filling out a loans application form in person, it is extremely important to fill it properly, paying close attention to details. No potential lender wants to see an application that is difficult to read because the handwriting or printing is overly small, large or sloppy. Avoid using capital letters when filling out an online loan application form except on names, states, street addresses and other words that require capitals.

It is important to make yourself look as positive as possible on the loans application, whether you have an excellent or poor credit rating, but without fabricating any information or telling lies.

The information should be as truthful, honest and accurate as humanly possible. If a potential lender discovers that any of the information you put in the loans application is untrue, there is a very good chance they will deny your loan.

When filling out a loans application form, be very sure to fill it out completely without leaving any blank fields because a potential lender may see this as a red flag that you are hiding something. If you unintentionally omit some information, it could mean a denied application, a new application to fill out, or a phone call from the potential lender with you making a trip back to complete the application properly.

If there are any areas on the loans form that do not apply to you, instead of leaving it blank, write ‘does not apply’ or ‘N/A’ instead.