• Check your credit score. Make sure it is perfect. If its not, it could be very hard to get because banks nowadays only allows people who have good credit score to be qualified for the personal loan.
• Deal with banks where you have existing accounts. Make sure your account have good record as well.
• Keep in mind that banks look for people who have secured jobs and secured income in order to be qualified for a personal loan.
• If all above is met, apply for the loan.
• Maintain good payment record with the bank. This is to ensure easy dealings in the future.