{"id":22319,"date":"2026-02-28T22:16:43","date_gmt":"2026-02-28T22:16:43","guid":{"rendered":"https:\/\/borrowingnexus.com\/?p=22319"},"modified":"2026-02-28T22:16:44","modified_gmt":"2026-02-28T22:16:44","slug":"how-to-get-a-personal-loan-7-steps-expert-tips","status":"publish","type":"post","link":"https:\/\/borrowingnexus.com\/?p=22319","title":{"rendered":"How To Get A Personal Loan: 7 Steps &#038; Expert Tips"},"content":{"rendered":"<div id=\"\">\n    <div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\">\n        \n    <\/div>\n\n            <p>\n            Moment Makers Group\/Getty Images; Illustration by Issiah Davis\/Bankrate\n        <\/p>\n    <\/div><div>\n        \n        <div id=\"block_ff71cbf8f70ff24bfbd4109b1ebb4a85\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore -->\n\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/>\n    <\/h2>\n    <!-- htmlmin:ignore -->\n\n    <ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            To get a personal loan, you\u2019ll need good credit, a stable income and a steady employment history.\n                                                <\/li>\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Bad credit loans are available, but rates can be high and loan amounts may be limited. You\u2019ll qualify for a lower, more competitive rate with good-to-excellent credit.\n                                                <\/li>\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Most personal loans are unsecured, which makes them faster and easier to get than collateral-backed loans.\n                                                <\/li>\n                    <li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Shopping for personal loans with multiple lenders could land you the best deal.\n                                                <\/li>\n            <\/ul>\n<\/div>\n\n\n\n\n<p>Getting a personal loan is relatively simple. Most lenders offer a fully online application process and only require information about your income, credit history and bank account to get a quote. Your final offer requires a hard credit check and proof of your last couple of paychecks.<\/p>\n\n\n\n\n\n\n\n<p>If you have excellent credit and little debt, you could borrow up to $100,000 from some lenders with repayment terms as long as seven years. However, if you have fair or bad credit, you may need to take extra steps to increase your approval chances and should expect to pay higher rates and fees with more limits on how much you can borrow.<\/p>\n\n\n\n\n\n<p>Knowing the steps required to get a personal loan can help you get quick cash for debt consolidation, home improvement, medical bills or other expenses.<\/p>\n\n\n\n\n<h2 id=\"score\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"1. Know your credit score\" data-outcome=\"\">1. Know your credit score<\/h2>\n\n\n\n\n<p>Personal loan annual percentage rates (APRs) can range from just below 6% up to 35.99% , and the rate you receive depends mostly on your credit score. Higher scores (typically 670 or above) translate to lower rates, larger loan amounts and fewer fees.<\/p>\n\n\n\n\n\n<p>Lenders rely on your credit score to predict how likely you are to repay the debt as agreed \u2014 a high credit score demonstrates your history of responsible credit usage, and as a result, you\u2019re more likely to qualify for the lender\u2019s lowest rate. The difference between a loan with excellent credit and a bad credit personal loan can be hundreds of dollars a month and thousands of dollars in overall interest.<\/p>\n\n\n\n\n\n<p>According to TransUnion\u2019s Unsecured Personal Lending Industry Insights Report, which is based on data from real, funded personal loans, here\u2019s how your credit score could change your APR:<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table is-style-stripes wrapped\"><tbody>\n<tr>\n<td><strong>Risk tier<\/strong><\/td>\n<td><strong>Credit score range<\/strong><\/td>\n<td><strong>Median estimated APR<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Near prime<\/td>\n<td>601-660<\/td>\n<td>26.90%<\/td>\n<\/tr>\n<tr>\n<td>Prime<\/td>\n<td>661-720<\/td>\n<td>17.80%<\/td>\n<\/tr>\n<tr>\n<td>Prime plus<\/td>\n<td>721-780<\/td>\n<td>13.00%<\/td>\n<\/tr>\n<tr>\n<td>Super prime<\/td>\n<td>781+<\/td>\n<td>10.90%<\/td>\n<\/tr>\n<\/tbody><\/table><\/div>\n\n\n\n\n<p><strong>Example:<\/strong> For a near prime borrower, a $10,000 personal loan at 27% costs about $15,000 in interest over five years \u2014 more than the loan itself.<\/p>\n\n\n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Bankrate tip\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>Consider working to improve your credit score if you don\u2019t qualify for an affordable rate.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 id=\"requirements\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"2. Understand lender requirements\" data-outcome=\"\">2. Understand lender requirements<\/h2>\n\n\n\n\n<p>Your credit score is typically the most important part of the eligibility puzzle, but lenders also review other criteria when assessing your loan application. According to one experienced Chase Bank representative, these criteria often serve as an initial screening. While each lender sets its own standards, knowing the common approval metrics can help you prepare and improve your chances of qualifying.<\/p>\n\n\n\n<ul class=\"Accordion w-full align\">\n    <li x-id=\"['panel-common-lender-requirements', 'heading-common-lender-requirements']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-common-lender-requirements')\" :aria-controls=\"$id('panel-common-lender-requirements')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Common lender requirements\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-common-lender-requirements')\" :aria-labelledby=\"$id('heading-common-lender-requirements')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\"><ul>\n<li>\n<strong>Credit score minimum:<\/strong> Most personal loan lenders require you to have fair credit or better, or a score above 580. Some lenders accept scores below this threshold, but you can expect to pay high rates and fees. Bad-credit lenders may also consider other criteria when reviewing your application, such as your educational background and employment history.<\/li>\n<li>\n<strong>Debt-to-income ratio:<\/strong> To understand whether you have room in your budget for a loan payment, lenders review your debt-to-income (DTI) ratio. This number, expressed as a percentage, is calculated by dividing your total monthly debt payments by your gross monthly income. Many lenders require a DTI below 5%, but to avoid becoming financially overextended, aim to keep your ratio below 36%.<\/li>\n<li>\n<strong>Income:<\/strong> Your income tells lenders how likely you are to be able to repay your loan. The more you make and the more regular your income is, the easier it is for the lender to approve your loan. Some lenders allow you to have a cosigner, which can improve your eligibility and may boost the amount you\u2019re approved for.<\/li>\n<li>\n<strong>Fund use restrictions: <\/strong>Personal loans are generally a flexible product \u2014 you can use funds in nearly any (legal) way you choose. However, some standard no-nos include using the funds for college tuition, investing in the stock market or supporting your small business.<\/li>\n<li>\n<strong>Credit history: <\/strong>Beyond your score, lenders may review your borrowing track record \u2014 including whether you\u2019ve been denied loans for similar reasons in the past. A history of responsible repayment helps build confidence in your application.<\/li>\n<\/ul><\/div><\/div>\n<\/li>\n<\/ul>\n    \n\n\n<h2 id=\"numbers\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"3. Run the numbers\" data-outcome=\"\">3. Run the numbers<\/h2>\n\n\n\n\n<p>Decide exactly how much you need to borrow and how much you can afford to repay each month. Personal loans are installment loans, which means you receive the full amount upfront and then repay it in fixed monthly payments. If you need additional money, you must reapply for a new loan.<\/p>\n\n\n\n\n\n<p>Be sure to consider any origination fees when determining how much to borrow. Some personal loan lenders charge origination fees of up to 12% of your loan amount, and the cost is typically deducted from your loan funds before you receive them. If you select a lender that charges this fee, you may need to borrow a larger amount to account for the fee.<\/p>\n\n\n\n\n\n<p>Here\u2019s an example of how APR and fees impact monthly payments on a $10,000 loan with a three-year term:<\/p>\n\n\n\n\n<div class=\"w-full overflow-x-auto\"><table class=\"wp-block-table is-style-stripes wrapped\"><tbody>\n<tr>\n<td><strong>APR<\/strong><\/td>\n<td><strong>Origination fee<\/strong><\/td>\n<td><strong>Loan amount received<\/strong><\/td>\n<td><strong>Monthly payment<\/strong><\/td>\n<td><strong>Total interest + fees<\/strong><\/td>\n<\/tr>\n<tr>\n<td>9%<\/td>\n<td>0%<\/td>\n<td>$10,000<\/td>\n<td>$318<\/td>\n<td>$1,448<\/td>\n<\/tr>\n<tr>\n<td>15%<\/td>\n<td>5% ($500)<\/td>\n<td>$9,500<\/td>\n<td>$346<\/td>\n<td>$2,456<\/td>\n<\/tr>\n<tr>\n<td>25%<\/td>\n<td>8% ($800)<\/td>\n<td>$9,200<\/td>\n<td>$398<\/td>\n<td>$4,328<\/td>\n<\/tr>\n<\/tbody><\/table><\/div>\n\n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Bankrate tip\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>Once you\u2019ve zeroed in on your loan amount, run some numbers using a personal loan calculator. Experiment with longer terms if you want to keep your payment lower or shorter terms if you want to pay the balance off quickly.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 id=\"documentation\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"4. Gather documentation\" data-outcome=\"\">4. Gather documentation<\/h2>\n\n\n\n\n<p>You\u2019ll need to provide loan documentation to verify the information in your application, and gathering these documents ahead of time can speed up the process later.<\/p>\n\n\n\n\n\n<p>Some lenders may verify this information electronically.<\/p>\n\n\n\n<ul class=\"Accordion w-full align\">\n    <li x-id=\"['panel-commonly-required-personal-loan-documents', 'heading-commonly-required-personal-loan-documents']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-commonly-required-personal-loan-documents')\" :aria-controls=\"$id('panel-commonly-required-personal-loan-documents')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Commonly required personal loan documents\n    <\/h3>\n<!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><div class=\"Accordion-contentWrapper\" :id=\"$id('panel-commonly-required-personal-loan-documents')\" :aria-labelledby=\"$id('heading-commonly-required-personal-loan-documents')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\"><div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n\n\n\n\n\n\n<ul>\n<li>\n<strong>Proof of identity:<\/strong> Lenders typically accept your birth certificate, certificate of citizenship, driver\u2019s license, passport, Social Security card or a state-issued ID.<\/li>\n\n\n\n<li>\n<strong>Income verification:<\/strong> You can provide a pay stub, bank statements, tax returns or even 1099 forms if you\u2019re self-employed.<\/li>\n\n\n\n<li>\n<strong>Proof of address:<\/strong> Lenders may ask for copies of utility bills, lease or rental agreements, property tax bills or credit card statements as proof of address. You may also have to provide previous addresses if you\u2019ve recently moved.<\/li>\n\n\n\n<li>\n<strong>Statements from creditors for debt consolidation: <\/strong>If you plan to use a personal loan for debt consolidation and want the lender to handle repayment of your creditors, you\u2019ll need copies of loan agreements and credit card statements.<\/li>\n\n\n\n<li>\n<strong>Banking information:<\/strong> For the fastest funding turnaround, provide banking information such as routing and account numbers. Alternatively, lenders may ask you to directly link your account through a secure service like Plaid.<\/li>\n\n\n\n<\/ul>\n\n\n\n<\/div><\/div>\n<\/li>\n<\/ul>\n    \n\n\n<h2 id=\"shop\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"5. Shop around for the best personal loan rates\" data-outcome=\"\">5. Shop around for the best personal loan rates<\/h2>\n\n\n\n\n<p>Don\u2019t settle for the first offer. Compare several lenders and loan types to get an idea of what you qualify for.<\/p>\n\n\n\n\n\n<p>If you\u2019ve been a longtime account holder with your bank or credit union, see if it\u2019s willing to give you a better rate or offer you any perks or discounts. You can also search the Bankrate personal loan marketplace to find the most competitive loan that best meets your borrowing needs.<\/p>\n\n\n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Prioritize lenders that offer prequalification\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>Loan prequalification involves entering some basic information and previewing your potential eligibility and interest rate. This process doesn\u2019t require a hard credit inquiry, so your credit score won\u2019t be impacted. Prequalification isn\u2019t a firm loan offer, and your loan details may change when you formally apply, but it can be a great way to narrow your list of potential lenders.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 id=\"pick\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"6. Pick a lender and apply\" data-outcome=\"\">6. Pick a lender and apply<\/h2>\n\n\n\n\n<p>Once you\u2019ve compared lenders and chosen the best fit, submit a formal application. This may involve a hard credit pull and additional verification.<\/p>\n\n\n\n\n\n<p>If approved, you\u2019ll receive your loan terms. Review carefully before signing \u2014 a longer term lowers your monthly bill but increases total interest costs.<\/p>\n\n\n\n\n\n<p>Keep in mind the terms of your offer could change depending on the documents you provide. Ask the lender to explain any changes to your interest rate or loan amount after your initial application.<\/p>\n\n\n\n\n<h2 id=\"repay\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"7. Accept the loan and start making payments\" data-outcome=\"\">7. Accept the loan and start making payments<\/h2>\n\n\n\n\n<p>If your loan application is approved, the lender will prepare your final loan documents. Once you agree to the terms and sign the loan contract, many lenders will disburse funds directly to your bank account within one business day at most lenders. It could take up to a week to receive loan funds if you prefer a physical check or work with a smaller bank or credit union.<\/p>\n\n\n\n\n\n<p>Keep track of when your payments are due, and consider setting up automatic payments to streamline the process. Some lenders even offer interest rate discounts if you use autopay.<\/p>\n\n\n\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n    <div class=\"card-body border-l-4 border-blue-800\">\n                    \n                <div class=\"content-wrapper\">\n                            <p>\n                    Bankrate tip\n                <\/p>\n                        <div class=\"content wysiwyg wysiwyg--flush\">\n                \n<p>Consider paying extra toward the loan principal each month, even if it\u2019s only a small amount. While personal loans are often cheaper than credit cards, you\u2019ll still save money on interest by paying the loan off early.<\/p>\n\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n\n\n\n\n<p>Getting approved for a personal loan can be a simple process. Increase your chances of approval by taking some steps ahead of time, like knowing your credit score and understanding lender requirements. Doing some research before you apply could make the difference between a green light for financing or a loan denial. Compare lenders to find the best rates and terms for your specific financial situation.<\/p>\n\n        <div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n    <div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n        <div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?\n            <div id=\"BLIOVakHwl\" class=\"hidden\">\n        <div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n                        <p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong>\n                            Your feedback helps us improve our content and services. It takes less than a minute to\n                            complete.\n                        <\/p>\n                        <p>Your responses are anonymous and will only be used for improving our website.<\/p>\n                    <\/div>\n    <\/div>\n\n\n\n\n        <\/div>\n        <p>Help us improve our content<\/p>\n        <div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\">\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs 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href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/how-to-get-personal-loan\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a>","protected":false},"excerpt":{"rendered":"<p>Moment Makers Group\/Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways To get a personal loan, you\u2019ll need good credit, a stable income and a steady employment history. Bad credit loans are available, but rates can be high and loan amounts may be limited. You\u2019ll qualify for a lower, more competitive rate with good-to-excellent credit. Most<\/p>\n","protected":false},"author":1,"featured_media":22320,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22319","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Get A Personal Loan: 7 Steps &amp; Expert Tips | Borrowing Nexus<\/title>\n<meta name=\"description\" content=\"Moment Makers Group\/Getty Images; Illustration by Issiah Davis\/Bankrate Key takeaways To get a personal loan, you\u2019ll need good credit, a stable income and\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/borrowingnexus.com\/?p=22319\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Get A Personal Loan: 7 Steps &amp; 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