Question by moxiegirl: How do you go about getting a bank loan?
I’m 21 and have a fulltime job and a checking account, but no savings account. Do I just walk into the bank and say “I need a ,000 loan?” Then, do they give it to you straight cash? (By the way, I need the money for a new car and/or a new apartment). I have good credit, too (based on my cell phone bill, gasoline bill, and credit card bill).
Best answer:
Answer by SexyTrojan
Mox,
Call your bank and apply. Banks are equipped to do this over the phone for their customers.
Also, ask for more than you need. The only credit you have (from what you stated) are your cards. You probably will not get the full amount. If you ask for 00, they will give you 00.
Good luck!
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