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Don't max out your credit cards or take on more debt than you can handle. After you apply, you'll usually find out if you're approved within a few minutes. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs.

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One option you might consider is a secured credit card, which requires a deposit as collateral. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. If you're thinking about getting a loan, make sure to do your research and choose a lender that you can trust.