The first step into obtaining a loan is to run a credit check on yourself which can be purchased for 30 from either TransUnion, Equifax, or Experian. A credit score ranges from 330 to 830 with the higher the number representing a lesser risk to the lender in addition to a better interest rate that may be obtained by the borrower.
In 2016, the average credit score in 401k loan or personal loan United States was 687 (source). Once you have obtained your full credit history you may now use it to entice prospective lenders in an effort to receive funds.
Step 3 Secured or Unsecured. Depending on the credit score the lender may ask if collateral is needed to approve the loan.
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