Above all, make sure you really need a loan. Paying back money over time means that you pay back more than you originally borrowed, so be sure you really need the money.
Banks want to get their money back on time with interest. So banks are careful. They are most likely to loan money to people who have steady incomes, have shown they can manage credit in the past, and have a good reason for wanting to borrow the money. The Loan Readiness Checklist can help you decide if you're ready to get a loan.
Loan Readiness Checklist:
You don’t need to satisfy all of the items on this list, but the more you have, the better your chance of getting a loan.