The Definitive Guide to Securing a Personal Loan: Insider Tricks for Guaranteed Approval

โดย

06/12/2024

สมัครรถแลกเงินโปรโมชั่น แจกฟรี Voucher Lazada

Applying for a personal loan today offers various options from different financial institutions, such as cash loans, lump-sum personal loans, or long-term loans, which can be chosen based on individual needs. However, many applicants are unable to secure approval due to several factors, such as incomplete income documents, poor payment history, being blacklisted, or differing conditions set by each financial institution. All of these can make the loan application process challenging and stressful.

Therefore, preparing adequately before applying for a loan is crucial to increase approval chances and ensure a smooth process, especially when applying for urgent loans. Regardless of the type of loan, having knowledge and proper preparation will significantly enhance your chances of approval.

In this article, we present 5 tips for applying for a personal loan that will help streamline the process and ensure a smooth approval, allowing you to secure an urgent loan without worrying about potential issues that may arise during the application process. By following these tips, you will improve your chances of loan approval and receive your loan promptly.

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The Definitive Guide to Securing a Personal Loan: Insider Tricks for Guaranteed Approval

Apply for One Loan at a Time
Financial institutions can review an applicant’s loan history for up to 6 months. If you apply for multiple personal loans or quick loans from different institutions at the same time and get rejected, it could negatively impact your chances of being approved for a new loan. Therefore, it is recommended to apply for loans one at a time, which may improve your chances of approval.

Read more: Why is it so hard to get approved for a personal loan?

Having Debt
Some may wonder how being in debt could actually help with loan approval. The reason is that being in debt within the formal system, such as credit card debt, personal loans, or a mortgage, and making timely payments shows that you are a reliable borrower. This can increase your chances of loan approval and may even lead to a higher loan amount.
Consistent Bank Transactions
Many people think that a personal loan application should be made using a savings account with a high balance, believing that the more money saved, the better the chance of approval. However, this is a misconception. Financial institutions look at both income and expenses to evaluate financial discipline and assess the ability to repay debts. Therefore, it’s important to have consistent transactions in your account, showing regular income and expenditure.

Providing a Contact Number
One crucial yet often overlooked tip for securing personal loans is providing a valid contact number. Whether it’s your personal phone number or a workplace contact, it ensures that the financial institution can reach you and adds credibility to your application. Having a reliable contact point can significantly improve your chances of approval.
Prepare Complete Documents for Personal Loan Application
What documents are needed to apply for a loan? To ensure your loan application is smooth, make sure to prepare all the necessary documents that confirm your identity and income. The required documents typically include:

A copy of your national ID card
A copy of your house registration (front page with address and the page with your name)
Original payslips or a certificate of income from the last two months
Bank account statement showing income for the past 6 months
A copy of your bank account book (only the first page with your name)

***Note: Additional documents may be required depending on the specific bank’s terms and conditions.

If you’re looking to apply for a personal loan with high approval chances and quick disbursement, you can apply for an online loan at SiamDL. The loan offers a maximum approved amount up to 5 times your average monthly income, or up to 200,000 baht, with repayment terms of up to 30 months.

Here’s why it’s a great option for 2024-2025!

SiamDL Personal Loan: The Hottest Choice for 2024-2025

SiamDL offers a legal online personal loan with no collateral or guarantor required. The loan provides a maximum amount of up to 5 times your average monthly income, or up to 200,000 baht, which is transferred in a lump sum to your account. Repayment is made in installments (following the guidelines set by the Bank of Thailand).

SiamDL Personal Loan meets the needs of those seeking quick cash with a fully digital process, from application, document submission, identity verification, to approval notification. The entire process is seamless, including features like receiving money, checking balances, bill payments, and viewing repayment schedules. Loan officers are available to provide support 24/7, ensuring convenience throughout your borrowing experience.

The Benefits of SiamDL Legal Online Loan That You’ll Love

Loan amount: Up to 50 times your income (minimum 5,000 baht, maximum 200,000 baht).
A versatile, no-collateral personal loan from SiamDL to meet all your needs.
No collateral or guarantor required, with repayment terms of up to 30 months.
Quick loan approval: Get your loan decision within just 15 minutes.
Fully digital process: Apply, receive money, check balances, pay bills, and manage your repayment schedule online.
Legal and regulated: The loan is under the supervision of the Bank of Thailand, with strict data protection as per the Personal Data Protection Act.
Transparent services: Fair loan terms with an interest rate of 25%, plus debt management consultation.
Low-income applicants can apply: Starting from 12,000 baht and up.

Get started today! Apply for a legal personal loan with Siam Digital Lending. Simply download the app from Google Play or the App Store to experience the convenience and ease of applying for a SiamDL personal loan (borrow what you need and repay what you can).

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Fulfill all your needs with SiamDL’s no-collateral online personal loan. No need for assets or a guarantor, get a large lump sum with fast approval in just 15 minutes. Loan amounts are approved up to 5 times your average monthly income, or a maximum of 200,000 baht, with repayment terms of up to 30 months. If you have any further questions, feel free to call us at 02 016 9300 or add us on Line @siamalloa to chat with us!