Is it easy to get a personal loan? Well, yes and no. On the one hand, there is less paperwork, since the bank does not have to verify any asset as in the case of home loans. On the other hand, there are stringent income criteria to qualify for personal loans. But once you make the grade it takes only about three days for you to get a personal loan. So, here goes a step-by-step break-up of the personal loan application process: STEP 1: ENQUIRY WITH A FINANCIER: STEP 2: DOCUMENTS COLLECTION STEP 3: FIELD INVESTIGATION AGENCY REPRESENTATIVE VISIT STEP 4: LOAN APPROVED
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