In the event that you are in need of a loan, and there is a good chance that this is indeed the case if you are reading this article, one of the most pressing questions on your mind will be how to make sure that you get the loan despite being declined before. It is not something to be ashamed of, after all your previous lender will have denied you because he has a policy to do so, but it is something that you need to understand for later. Most often than not, a loan request will be declined if you have had a loan from the same lender or another one before and especially if you have failed to pay it back on time or in full.
Your Number of Inquiries
It should come as no surprise that it is not at all convenient for lenders to hand the money to those who are known to be big spenders. The logic behind no credit check loans policy is that if you have applied for a loan before, chances are that you will most likely do so in the future and this is exactly why some companies will be motivated to deny your request.
How do you know how much you need to make in order to get the loan easily without attracting any attention? It is easy if you have a yearly salary that you have recently been given. That said, it is not a good idea to sit down and calculate your monthly income because it will only attract attention.
Debt to Income Ratio
It is another very important factor that will decide your fate with regards to the loan. The higher the ratio, the more likely that you will be declined. In all likelihood, you can automatically assume that you have less than 20% chance of getting your request approved if you have any credit cards, mortgages or other loans in a negative standing.
A good credit score will be of great assistance to you if ever you find yourself in need of a short-term loan and it goes without saying that most lenders will be eager to lend some money to those who have not been late or missed payments in previous loans.
Length of the Loan
The term of a loan is important, not only because you want to be able to pay off the loan without ending up in arrears, but also because it will decide whether your loan application will be approved or not. Most lenders will prefer to give out a short-term rather than a long-term loan, which means that if you have been late with previous payments or even failed to make them on time, you are less likely to get your request approved.
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