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To some degree this depends upon the type of loan you want and the amount you want. A secured loan for less than $5,000 will have less restrictions than an unsecured loan for $100,000.

For a car loan or house mortgage (both secured loans, since the bank gets the car or house if you default on your payments), you will need to have a decent credit history (how good will affect the interest rate offered to you), a reasonable down payment (at least 10%, but 20% is better), proof of stable employment and possibly character references.

For an unsecured loan (think credit card), you are floating mostly on your credit history and possibly character references.

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Q: What are the requirements for getting a loan from the bank?
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