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To apply for a personal loan, start by researching available lending options, including credit unions and banks, to find the one that’s best for you. For example, consider a bank if you plan on paying off your loan early, or look at a credit union if you want lower rates. Then fill out the loan application online or at a local branch and include the necessary documents, such as a copy of your drivers’ license, proof of income, and proof of your address. Finally, expect to wait up to a few days to receive a decision from the lender. For advice on how to get a personal loan if you have less than perfect credit, read on!
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