Personal Loan requirements


There are several things you need to apply for a personal loan.There are several things you need to apply for a personal loan.

If you need to make home repairs, pay medical bills, or cover everyday expenses, applying for a personal loan can get you the cash you need. To get a personal loan through a bank or online lender, you'll be expected to meet certain requirements. Knowing the items and information you'll need to have before you apply can improve your chances of getting approved.

Personal Information

To complete a loan application, you'll need to give the lender your personal information. This includes your name, address, phone number, date of birth and Social Security number. If you've only lived at your current address for a short time, you may be asked to list your previous addresses. The lender will also need to know your mother's maiden name. You can provide an email address if you have one, and it may also be helpful to list one or two personal references.

Income Information

In order to qualify you for a loan, the lender will want to make sure you have enough income each month to make your payments. Generally, the lender will ask for your employer's name and contact information, as well as the dates you've been employed. You may need to list previous employers if you've only been at your current job for a short time. The lender will want to know what your gross monthly income is and whether you have income from other sources, such as child support or alimony. You may need to produce recent pay stubs or direct deposit receipts to verify how much you make.

Collateral

If you're applying for a secured loan, you'll need to provide some type of collateral. Generally, collateral is any property you own that has value, such as a car, boat or home. Depending on the lender, you may also be able to use certain personal property, such as jewelry, for collateral. For personal property, the lending firm may ask that you leave the item in its possession. For vehicles or real estate, you may need to provide the title or deed.

Interesting facts

  • Matthew Mayora (born on 10 March 1986 in Sydney) is an Australian football player who currently plays for Sydney Olympic in the NSW Premier League.
    He was crowned the 2009 NSWPL Golden Boot winner with a haul of 15 goals in 20 matches by Sydney Olympic
    On August 13, 2009 Mayora signed a six week injury cover contract with Perth Glory after...

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Popular Q&A

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Why do car loans require personal reference?

They require personal references to make sure you will actually pay the loan back. !

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Personal Loan age Requirement ? | Yahoo Answers

You need to be 18, and must have a good credit history before moving. Your parents might need to co-sign for you. I recommend building credit using a Secure Credit Card, maying payments in full, using no more than 30% of your credit limit, and do this for about 6 to 12 months. A loan may have a high interest rate if you or your parents dont have a good history of credit usage.
I dont recommend using a loan, but to rent an apartment, have a good paying job, a checking and savings account, and have funds saved up for when you really need it.