Check your credit score before applying
Review your credit report for errors and dispute any inaccuracies
Pay down existing debt
Keep your debt-to-income ratio low
Make sure your income is stable and verifiable
Gather proof of income, employment, and identity
Apply for an amount you can realistically repay
Compare lenders and choose ones that fit your credit profile
Avoid submitting too many loan applications at once
Consider a co-signer if your credit is weak
Improve your credit history by making on-time payments
Reduce credit card balances before applying
Avoid new debt before and during the application process
Provide complete and accurate information on the application
Maintain a steady bank account history
Show a reasonable loan purpose if asked
Build a relationship with your bank or credit union
Prequalify when possible to check eligibility without a hard inquiry