{"id":3792,"date":"2018-12-11T18:19:43","date_gmt":"2018-12-11T13:19:43","guid":{"rendered":"https:\/\/smartchoice.pk\/blog\/?p=3792"},"modified":"2018-12-12T16:26:13","modified_gmt":"2018-12-12T11:26:13","slug":"5-tips-to-get-your-personal-loan-approved","status":"publish","type":"post","link":"https:\/\/smartchoice.pk\/blog\/2018\/12\/5-tips-to-get-your-personal-loan-approved\/","title":{"rendered":"5 Tips to get your Personal Loan Approved"},"content":{"rendered":"<h3>What is a personal\u00a0loan?<\/h3>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/pl.png\"><img decoding=\"async\" class=\"aligncenter wp-image-3793 size-full\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/pl.png\" alt=\"what is personal loans\" width=\"274\" height=\"150\" \/><\/a><\/p>\n<p>Unlike a specific loan that is a loan for a house, or an <a href=\"https:\/\/smartchoice.pk\/banking\/car-finance\">auto loan<\/a>, which must be spent on a<a href=\"https:\/\/smartchoice.pk\/insurance\/car\"> vehicle<\/a>, personal loans can be used for almost anything.<\/p>\n<h3>Steps to get the personal loan<\/h3>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/centralizedloanapprovalcenters.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-3810\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/centralizedloanapprovalcenters.jpg\" alt=\"\" width=\"194\" height=\"190\" \/><\/a><\/p>\n<h3>When should you go in for a personal loan?<\/h3>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/why-get-pl.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-3794 size-full\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/why-get-pl.jpg\" alt=\"when should we go in for personal loan\" width=\"186\" height=\"179\" \/><\/a><\/p>\n<p>Sometimes, you might have a large or<a href=\"https:\/\/smartchoice.pk\/blog\/2018\/11\/5-essentials-for-your-financial-emergency-kit\/\"> unexpected one-time expense<\/a> that you might be able to fund on your income like a child\u2019s wedding, or house renovation or even a vacation. At these times, it is advisable to apply for a personal loan to overcome this temporary shortfall. We are going, to be honest; getting a personal loan isn\u2019t easy. There are a lot of things you need to consider before you apply for a personal loan.<\/p>\n<h3>Types of Personal Loans<\/h3>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/secured-vs-unsecured-loans-e1523607296905.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-3795 size-medium\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/secured-vs-unsecured-loans-e1523607296905-300x127.jpg\" alt=\"types of personal loans\" width=\"300\" height=\"127\" srcset=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/secured-vs-unsecured-loans-e1523607296905-300x127.jpg 300w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/secured-vs-unsecured-loans-e1523607296905.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>Next, we need to understand how personal loans works, there are two main types of personal loans, secured and unsecured.<br \/>\nA secured loan will usually give you lower interest rates, but you have to put something up as collateral for the loan, which means that if you don\u2019t pay back the loan, they take your collateral.<br \/>\nUnsecured loans, these loans don\u2019t require any collateral but will have higher interest rates. Banks in Pakistan providing unsecured loans are, Alfalah Bank, Faysal Bank, Dubai Islamic Bank, etc<\/p>\n<h2>Only Apply for What You Need<\/h2>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images-1-1.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-3802 size-medium\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images-1-1-300x138.jpg\" alt=\"only apply for what you need\" width=\"300\" height=\"138\" srcset=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images-1-1-300x138.jpg 300w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images-1-1.jpg 331w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p>The first, and most obvious, is to decide how large a loan you actually need. This might seem like a ridiculous tip to include, but it\u2019s important enough to reiterate. Before you apply for your loan, sit down and calculate how much money you will need.<br \/>\nFrom a lenders perspective, there is naturally a greater degree of risk attached to lending someone PKR25, 00,000 than there is to lending someone PKR50, 000, if all other credit factors are equal.<br \/>\nWhile you may only need PKR50, 000, you may also feel that it\u2019d be great to have some extra cash left over to buy something else, treat yourself, or have a holiday.<br \/>\nHowever, depending on your profile, the extra borrowing may be the difference between being accepted and being declined.<\/p>\n<h2>Do not make multiple loan applications<\/h2>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-3796\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images-300x136.jpg\" alt=\"\" width=\"289\" height=\"131\" srcset=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images-300x136.jpg 300w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/images.jpg 334w\" sizes=\"(max-width: 289px) 100vw, 289px\" \/><\/a><\/p>\n<p>It is tempting to apply to several banks\/lenders at the same time in order to maximize your chances of being approved by at least one lender. This is not a good idea, When you do this, potential lenders get the feeling that you are \u2018hungry\u2019 for loan and need to apply to several sources to fund your expenses. Moreover, too many loan applications without corresponding approvals can lead to a drop in your credit score. Make sure you only apply to the place where you have the best chance of being approved.<\/p>\n<h5>Improve your chances to get better loan Conditions<br \/>\nYou can improve your chances of getting approval for loans by:<\/h5>\n<p><em>Lower your debt<\/em>: Stop spending on credit cards and come up with a strategy for<a href=\"https:\/\/smartchoice.pk\/blog\/2018\/06\/5-mistakes-pakistanis-make-result-financial-hardship\/\"> paying down<\/a> your balances.<br \/>\n<em>Pay your bills on time<\/em>: As much as 35 percent of your consumer profile is based on your payment history so make sure you pay all of your bills on time. If you are forgetful, set up automatic payments or monthly reminders.<br \/>\n<em>Don\u2019t close your unused credit card accounts:<\/em> Unless your credit cards carry expensive annual fees, there\u2019s no real benefit to closing them even if you aren\u2019t using them. Your credit score will take into account the average length of time you\u2019ve been using credit, so holding an account for a long time could actually benefit your score and will help you increase your chances for your loan approval.<br \/>\n<em>Don\u2019t open new credit<\/em>: As you rein back your spending, avoid the temptation to apply for more credit cards. Lenders may consider you risky if you open a lot of new accounts in a short amount of time.<\/p>\n<h2>Be Honest<\/h2>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/letsbehonestjpg.jpg\"><img decoding=\"async\" class=\"aligncenter wp-image-3798 \" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/letsbehonestjpg-300x285.jpg\" alt=\"be honest\" width=\"205\" height=\"195\" srcset=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/letsbehonestjpg-300x285.jpg 300w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/letsbehonestjpg.jpg 500w\" sizes=\"(max-width: 205px) 100vw, 205px\" \/><\/a><\/p>\n<p>A large part of our eligibility criteria relies on the honesty of the potential applicant. Being dishonest or providing misinformation could damage a person\u2019s chances of being successful when it comes to the credit checking and verification stage.<br \/>\nProvide information that is accurate throughout the application process. If you are honest but you are not successful,\u00a0It will also help you take the steps you need in order to be seen as a responsible borrower.<br \/>\nIf you are dishonest in your application, this could then lead to your application being declined, which will ultimately hinder your chances of securing loans from lenders in the future.<\/p>\n<h2>Research online and offline personal loan vendors up front BEFORE applying for a loan<\/h2>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/how-to-choose-a-lender-in-canada.png\"><img decoding=\"async\" class=\"aligncenter wp-image-3800 \" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/how-to-choose-a-lender-in-canada-300x212.png\" alt=\"research online offline before applying for a loan\" width=\"277\" height=\"196\" srcset=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/how-to-choose-a-lender-in-canada-300x212.png 300w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/how-to-choose-a-lender-in-canada-768x543.png 768w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/how-to-choose-a-lender-in-canada-1024x725.png 1024w\" sizes=\"(max-width: 277px) 100vw, 277px\" \/><\/a><\/p>\n<p>Because each credit inquiry impacts your credit, the more banks that check your credit, the lower your score goes. Check the banks according to your financial standing, regarding which bank would be more interested to lend you looking at your financial profile and after a thorough research apply to that bank so that your chances to get an approval are better.<\/p>\n<h2>Don&#8217;t Apply for Fresh Loans without Paying off One<\/h2>\n<p><a href=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/Debt-Management-vs-Settlement-1.png\"><img decoding=\"async\" class=\"aligncenter wp-image-3801\" src=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/Debt-Management-vs-Settlement-1-300x300.png\" alt=\"\" width=\"226\" height=\"226\" srcset=\"https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/Debt-Management-vs-Settlement-1-300x300.png 300w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/Debt-Management-vs-Settlement-1-290x290.png 290w, https:\/\/smartchoice.pk\/blog\/wp-content\/uploads\/2018\/12\/Debt-Management-vs-Settlement-1.png 700w\" sizes=\"(max-width: 226px) 100vw, 226px\" \/><\/a><\/p>\n<p>Lenders prefer individuals who are free from current debts. The probability of successful loan repayment deepens if borrowers have the previous history of successful repayments.<\/p>\n<p>You may not qualify for a personal loan the first time you apply, but it is possible to improve your financial position and successfully qualify later.<br \/>\nYou can apply for a loan again after you fulfil the criteria of the lending institutions, by meeting the eligibility criteria, decent credit history, and pay attention to your debt-to-income ratio and other things important to get the personal loan approved.<br \/>\nAlso, make sure that you have been in the same job or company for at least six months before you apply. Banks want to see<a href=\"https:\/\/smartchoice.pk\/blog\/2018\/06\/5-ways-can-prepare-financially-self-employment\/\"> stable employment and a steady source of income <\/a>so that you are able to make all your loan repayments on time. In the case of a personal loan, your income is very important as the banks do not have any collateral in case you default on your payments. If you have been changing jobs frequently, there is a good chance that your application will be rejected.<br \/>\nOnce you understand the basics, you should spend some time researching the different loan types, examining which might work best for you. There are several different ways to get a personal loan, and not every type will be a good fit for your situation. Fully understand the type of loan you are getting, the loan period, the payment methods, payment amounts, and any other important information.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a personal\u00a0loan? Unlike a specific loan that is a loan for a house, or an auto loan, which [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":3805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[790],"tags":[1223,1221,1222,747],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Tips to get your Personal Loan Approved - Smartchoice.pk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartchoice.pk\/blog\/2018\/12\/5-tips-to-get-your-personal-loan-approved\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Tips to get your Personal Loan Approved - Smartchoice.pk\" \/>\n<meta property=\"og:description\" content=\"What is a personal\u00a0loan? 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