This give rise to, the list of several things, a lender will have to consider, before he grants your loan. They include

What is the purpose of the loan? Whats the real purpose of the loan? This includes the reason you specify and other hidden reasons discovered. This might lead to deep investigations before the loan is approved.

Credit score and report. This also affects whether your loan would be granted or not. If this is too low it could affect the terms of a loan. That is if it is granted at all. You would have to do certain things to get reduce the score.

Employment Status and previous employment history. This would tell the employer if you are a stable person and if you can be trusted with repaying the loan or a flight risk. It would also tell the lender if your salary would be enough to repay the loan you are requesting.

Current financial state. How much cash do you have. Do you have other loans? Your current financial status would determine a lot of things. The loan you get would be subsequent to assessing your present status.

Stance with other lenders. How much debt do you have? If your previous loans are too much, your loans maybe declined. Or you have problems with your lenders your loan may also be declined.

Finally what collateral can you offer to the lending company? Make a list of all your assets and decide what collateral you can offer to the lender. This would determine how much the lending company would be able to give you. This does not have to be house or car. They can be little and light things like jewelry etc.

You have seen the above list. These are the things a lender would consider before granting the loan you request. Get them in order before you bother to make the application. This would help you by saving you a lot of problems in the long run. Make sure you consult a professional before signing the forms or get a book on the matter and educate yourself. Education is essential to success.