What are the eligibility requirements for a personal loan?
An example of an AI chatbot conversation about personal loan eligibility requirements.
What are the eligibility requirements for a personal loan?
To qualify for a personal loan, lenders typically look at your credit score, income, employment status, and debt-to-income ratio.
What credit score do I need to get approved?
Most lenders require a credit score of at least 580, but a score of 700 or higher is often needed for better rates.
How much income do I need to qualify?
It varies by lender, but generally, you should have a stable income that covers your monthly expenses and the loan payments.
Can I get a personal loan with bad credit?
Yes, some lenders offer personal loans for bad credit, but they may come with higher interest rates.
What documents do I need to apply?
You'll typically need to provide proof of identity, income, and possibly your credit history.
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