How do you get a loan?

Answer 1

Usually talking to your bank is a good idea if you need to buy something large. You could ask a family member for something small.

If you have a credit card it is pretty much the equivalent of a loan... you buy something and pay it off later.

There are also student loans you can apply for through the government or your school, and "payday" loans that give you money until you get paid. Those ones are a super bad idea though unless you have no other choice. Horrible payment terms and penalties.

It is almost always better to save the money up ahead of time than to get a loan. Only huge things like houses and maybe college are worth the burden of debt.