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When you apply for a personal loan at a credit union, you may be able to work with a loan officer who will take the virginia time to understand your specific financial situation and help you find the right loan product. To get a loan from a bank, the virginia borrower must first apply for the loan and provide the bank with information about their financial situation and credit history. It is important for the va borrower to carefully review the loan agreement and ensure that they understand all of the terms and conditions before signing.