Check your credit score and monthly income
Decide how much money you need
Compare loan offers from banks, credit unions, and online lenders
Review interest rates, fees, repayment terms, and eligibility requirements
Gather required documents such as ID, address proof, income proof, and bank statements
Fill out the loan application form
Submit the application and documents
Wait for lender verification and approval
Review the loan agreement carefully
Sign the agreement if you accept the terms
Receive the loan amount in your bank account
Repay the loan on time through monthly installments