Published In: Applications

How to Write a Loan Application Letter (with Samples)

Table of Contents

Sometimes we need financial assistance to push through with our business idea, education, medical emergencies, or any other personal project or goals that require a huge amount of money for its realization. Basically, it is for this reason that banks and other money lending institutions exist.

Applying for a loan from any lending institution requires the applicant to first fill out a form.  Along with this form, the applicant can attach a loan application letter that provides more details on what he/she intends to do with the money and an overview of how the loan will be paid.

As a loan applicant, you need to learn how to write the loan request letter in a polite and convincing tone to appeal to your lender for your loan to be granted successfully.

What is a Loan Application Letter?

A Loan application letter is a document that informs the financial lending institution of the amount of money you are asking for, a clear outline of what you intend to do with the money, and convinces the bank why you are a good investment risk. Because it is a request, a loan application letter should be written in a polite tone, short and to the point.

The Loan Application Process

Based on the financial institution you choose, the process and time it takes for you to receive funding may vary. However, the typical loan application process may take on the following critical stages:

Pre-qualification stage

Prior to the loan contract, the potential borrower receives a list of items that they need to submit to the lender for them to get a loan. This may include Identification proof, credit score, current employment information, bank statements as well as previous loan statements.

Immediately this information is submitted, the lender reviews the documents and makes a pre-approval- meaning the borrower can move on to the next phase of the loan application process.

Loan application

In the second phase of the loan origination process, the borrower fills-in the loan application form either electronically- through mobile apps, websites, or paper-based. The data collected is then tailored to specific loan products.

The aspects that are included in the loan application form include the following;

The payment method- if it will be personal, through a check, or via online banking.

The payment frequency- There are several payment frequency methods, for example, Monthly installments, annually, or if the loan will be paid once.

The amount of interest accumulated on the loaned amount. This is the amount of money charged by the lender to the borrower on top of the amount which he/she has loaned.

The assets in the form of properties of the borrower will serve as collateral damage/guarantees in case the borrower defaults loan repayment or is unable to make his payments as per the agreed time.

Application processing

Once the application is received by the credit department, it is reviewed for accuracy, genuineness, and completeness.  Lenders then use Loan Originating Systems to determine an applicant’s creditworthiness.

Underwriting process

This process only begins after an application is totally completed. In this stage, the lender checks the application in consideration of various accounts, such as an applicant’s credit score, risk scores, and other industry-based criteria. Today, this process is fully automated using Rule Engines and API integrations with credit scoring engines.

Credit Decision

Based on the results from the underwriting phase, the lender makes a credit decision. The loan is either approved, denied, or sent back to the originator for additional information. If the criteria used do not match with what is set in the engine system, there is an automatic change in the loan parameters, for instance, reduced loan amount or a different interest rate on the loaned amount.

Quality Check

Quality check of the loan application process is very critical since lending is highly regulated. The loan application is then sent to the Quality Control Team to analyze critical variables of the loan against internal and external regulations on loans. This is often the last step of the application process before funding is approved.

Loan funding

Once the loan documents are signed by both the borrower and the lender, funds are released shortly after. Nevertheless, business loans, loans on properties, and second mortgage loans may comparatively take more time to be approved due to legal and compliance reasons.

Essential Elements of a Loan Application Letter

Now that you have already understood the complex loan application process, it is important that you know the critical points to include in your loan request letter to convince your lender to give you a business loan.

Here is how to effectively write a loan application letter:

Header and greetings

The first and most important element of your business or personal loan application letter should be a header and an appropriate greeting.

In your header, include the following details:

  • Your business names
  • The physical address of your business
  • Business telephone and cell phone numbers
  • Lender’s contact details
  • Lender’s or Loan Agent’s Name and Title
  • A subject line stating the loan amount you are requesting for.

Once you have written your header, include a friendly but professional greeting to start off your loan application letter in a cordial tone.

Business Loan Request Summary

The body of your business or personal loan request letter should start with a brief summary of your loan request amount, why you need the loan, your basic business information, and why you are an ideal risk investment for the lender. This section should be brief and concise. Only include the relevant information to capture your loan agent’s interest and keep them reading the body of your loan application letter.

Basic Details about your Business

Ideally, this is the third paragraph of your loan application letter. Use a few short and concise sentences to give a clear outline of your business.

Be sure to include the details below:

  • The legal name of your business and any DBA that your business uses
  • Your business structure- if it is a corporation- partnership, individually owned, etc.
  • A summary of what your business does.
  • How long your business has been operational
  • Total number of employees
  • A brief description of your current annual revenue

Once you have provided your basic business information, it is time to write the meat of your business loan request letter- clearly explaining why you need the business loan and how you intend to recuperate the investment.

The purpose of the business loan

In the fourth paragraph of your loan application letter, explain succinctly how you will use the business loan. Additionally, tell the lender why your intended use of the business loan will be a wise business investment.

While detailing this section, be as specific as possible and demonstrate to the lender that you have carefully considered the kind of revenue generation this new debt will accomplish for your business. for instance, don’t just say that you intend to use the loan for working capital. Rather, say that you plan to increase your inventory by 45% or that you need to increase your Human Resources to 4 to generate more income by 6%.

In the same paragraph, inform the lender exactly how the loaned amount will help generate more profits necessary to cover repayment plus the interest accumulated on loan.

Proof that you’ll be able to fully repay the loan

In this section, you need to demonstrate to the lender that you can pay back the loaned amount together with interest as per the agreed repayment period. You will want to use any figures from your latest income statements or balance sheets to prove your business is financially healthy and that it is a low-risk investment decision for your lender. In case you have other existing debts, be sure to mention them and include a business debt schedule if possible. If your business is profitable, highlight that in your letter since it something that most lenders pretty much look for in successful loan applicants.

In addition to that, consider including specific cash flow projections to demonstrate to your lender how you plan to fit repayment of the loaned amount plus interest into your budget.

Sample: Loan Application Letter

Sample 1: business loan application letter.

Samira Mitchell,

Mitchell Face Masks Limited,

4680 Forest Road

939, New York.

January 17, 2021

Mr. Wesley Kingston

Guarantor Trust Bank

679, New York State

Ref: Loan Request for $10,000

Exactly two years ago, I started my small face mask vending business in our local market. Over the last two years, my business has picked up really well to an extent where I need to expand to a bigger face mask vending company.

It is for this reason that I am writing this letter. I am confident that there is a great market niche for face masks, especially due to the current worldwide Novel Covid-19 Pandemic. Thus far, I have had many repeat customers, new customer links through referrals, and my client base has grown rapidly. Generally, there is an increase in demand for my products; therefore, I am requesting for a loan amounting to $10,000 to be able to supply more and satisfy all my clients.

This money, along with the amount that I have saved up from my profits, will enable me to lease a large, modern storefront and to import supplies that will help me launch my business plan.

I have attached my business plan, my latest business balance sheets, current business schedules, as well as my credit history statements for your perusal and review. If you have any questions or need any further clarifications, please contact me directly on (111) 345 679 or email me at Thank you for your consideration.

Samira Mitchel.

Sample 2: Personal Loan Application Letter

Dear Michael,

It is common for everyone to face difficult situations and bitter realities in life. I am currently facing a situation where everything seems bleak, and there seems to be no way out of this difficult situation. I am in debt, and I need to pay at least 30% of my house’s mortgage will be taken over by the bank, and I am currently ailing and weak, I’ll not be able to survive such a nervewrecking situation.

The only way I can avoid such a fate is by paying the full amount that is needed by the bank. I can be able to do so if I am allowed to take out a loan from the office, which is a privilege that the company has granted to all the employees. I would be thankful if the company allows me to borrow the money against my monthly pay.

Mr Brandon Brown

Do’s and Don’ts of Writing a Loan Request Letter

A loan application letter may increase or break your chances of receiving funding from any lending institution. This is because it is the first thing that lenders look for in the underwriting process when you submit an application. That said, you must know the dos and don’ts of writing a winning loan request letter to help you receive the funding that you really need.

  • Check your personal and business credit scores before sending a loan request letter and take the necessary steps to improve them.
  • Have all your financial statements ready, including cash flow statements, business balance sheets, P$L statements, etc
  • Make sure to submit all your relevant credentials along with your loan application request letter.
  • Always provide the correct and factual information to avoid fraudulent consequences.
  • Don’t make your letter too long and unnecessarily wordy
  • Don’t use an informal format while writing the loan application letter. Instead, follow the proper rules on writing formal letters
  • Don’t include any false information in your loan request letter- be it your business’s current financial health, assets, and liabilities that may be used as collateral damage in case you default payment or why you need the money.

Things to Remember When Writing a Loan Application Letter

Generally, you should always consider the following essential tips if you want to write a winning loan application letter:

  • The loan application letter is a formal document. Therefore, observe the proper rules of writing a formal letter.
  • Clearly state your intent to borrow a given amount of money
  • Provide a vivid but brief description of why you need the money. Your explanation should be concise, genuine, and transparent. While at it, explain how you plan to use the loaned amount and be very sincere about it.
  • Explain why your business is a low-risk investment decision for the lender.
  • Enumerate your assets and liabilities
  • Include the time, date, manner, and method that you will use to make your payment.

Free Loan Application Letter Templates

Are you looking to get some financing for your business or personal emergency? Download our free, well-crafted Loan application letter templates to help you customize your loan request letter. Our Templates includes all the critical elements of a winning loan request letter that will successfully help convince your lender to grant you the funding you need. Download our templates today to help you get started!


Collateral is defined as something that helps secure a loan. Generally, based on the type of lending institution you pick, the lender will give you less than your pledged asset value. Lenders every so often quote an acceptable loan to value ratio, meaning that if you borrow against your house, for example, and it worth $400,000, you will be given a loan amounting to $380,000. Again, this depends on the bank.

The prepayment penalty is a fee that some lenders charge if you pay off all or part of your loan before the loan’s maturity date. These do not usually apply if you pay extra principal on your loaned amount in small amounts at a time. However, it is good that you counter check with your lender.

Every lender follows a different criterion to approve a business or personal loan. The application process depends on several factors; therefore, the time taken to receive funding in your account may take anywhere from a few minutes to several days. This depends on the type of institution you choose and the type of loan you are asking for.

Acquiring a loan is sometimes a necessity in one’s business or personal life.  Nonetheless, it is not always easy to get a loan as lenders are wary of granting loans due to loan repayment defaults and fraudulent borrowers. This article has provided you with great insight on loan application letters, the loan application process, essential tips for writing a winning loan application letter, and the dos and don’ts of writing a convincing loan request letter. If you keep these things in mind every time you are thinking of applying for a loan, you are sure to get the funds you need to ensure the smooth running of your business and sort any personal emergency that may come your way.

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Letter Solution

Letter Solution

Welcome to "Letter Solution" Everything is about letter and application writing.

Bank Loan Application Letter Sample 8+ With Format

One format and 8 sample on bank loan letter.

Table of Contents

Bank Loan Application Letter Sample: Naturally, we take a loan from a bank when we fall into a money crisis. We talk to the branch manager about it. After that, he discussed everything and instructs us on all terms and conditions. Some bank managers tell to submit a request letter with the required documents. And then many people can not write a proper request letter. So I have written the post with a format and six samples that will clear your confusion and create a good idea about any type of bank loan application letter sample. Then you can write a new application in your own way. A well-written request letter for the loan can help you to be approved your application at the time of applying for a loan.

There are different types of loans in the bank. For example

  • Business loan
  • Personal loan
  • Educational loan
  • Two-wheeler loan
  • Loan against property

When you will apply for a personal loan, eligibility is a must for you.

Personal loan eligibilit:

  • You should be salaried person.
  • You should have a job under government, public company.
  • Your age should be between 25-50 years.
  • You need to be an Indian citizen.
  • The minimum salary should be 25000 but it depends on the city.

Application Format

Bank loan application letter.

The Bank Manager

[Name of the bank]

[Name of the branch]

[Address of the branch]

Date: …../ …../ ……

Sub: [Application for home loan]

Respected Sir/Madam,

I am ___________ [Your name]. I am a [savings/current] account holder with your branch for _____ years. I am a ______ service man. My monthly salary is deposited in my bank account. I always maintain a good balance in my account. But I need a loan for _____________ [Purpose of the loan].

I am requesting you for an amount Rs. __________ as a loan. I have enclosed all the required documents as you instructed earlier. I have read, got and agree with the term and condition of the bank.

I am waiting for positive response from you.

Thanking you

Yours sincerely

[Name of the applicant]

Contact details

Bank Loan Application Letter Sample

Bank of India

[Branch Name]

[Branch Address]

Date: 00/00/00

Sub: [Request for business loan]

Dear Sir/Madam,

With due respect, I beg to state that I have a current account with your branch. I am a businessman and run three restaurants. I need an amount of Rs. 100000/- as a loan for my business purpose.

I will be thankful to you if you will consider my request as early as possible.

Write A Letter To Bank Manager For Educational Loan

Gabgachi Branch

Delhi-700 071

Date: 12/11/2021

Sub: Application for educational loan

I, Ashutosh Kumar Saha, a permanent resident of Sukanta More, Gabgachi, would like to apply for an education loan for further studies. I have just appeared for my higher secondary board exams and would like to complete a course in B.TEC from a reputed institution in Delhi.

I can come to the branch at your convenience to discuss it required to get a loan in my favor. I will always be grateful to you if you look into the matter and approve my loan.

Ashutosh Kumar Saha

Application For Home Loan

Name of the bank

Name of the branch

Address of the branch

I am prakash saha. I am a savings account holder with your branch for ten years. I am a government serviceman. My monthly salary is deposited in my bank account. I always maintain a good balance in my account. But I need a loan for building my house.

I am requesting you for an amount of Rs. 200000/- [Two Lakh] as a loan. I have enclosed all the required documents as you instructed earlier. I have read, got and agree with the term and conditions of the bank.

I am waiting for a positive response from you.

Application For Personal Loan

It is stated that I would like to request you for a personal loan of Rs. 200000/-. I have a savings account for 15 years with your branch and save a good balance in the first week of the month. I have been working in an I.T company for 20 years and my salary is 25,000/-. I will pay the loan by deduction money by a savings account. I have read the term and conditions and got it. I have enclosed the necessary document as the instruction.

I am waiting for your positive response of hearing.

Yours faithfully

Sample of Bank Loan Application Letter

Sub: [Application for __________________ ]

With a lot of respect, I beg to state that I am an old account holder in your branch. My account number is XXXXXXXXX. Now I am a serviceman. I am doing my job in Malda Sonoscan Nursing Home. My salary is 12000/-. I need a loan amounting to Rs. 80000/- for buying a car. The deduction should be from my salary account.

Therefore I request you to grant me the loan and then I will be obliged to you.

Business Proposal For Bank Loan Sample

Sub: [Application of proposal of the business loan]

I am writing this letter to request a small business loan in the amount of Rs. 80,000/-for the purpose of business development. My current account number is XXXXXXXXX in your branch. I am an account holder for ten years and maintain a good balance in this account.  

My company name is [XYZ]. It is a growing business that serves furniture to customers. You can follow our success online at [website name]. 25 workers work here daily.

I have attached all the required documents along with this application as you instructed earlier. So I earnestly request you for a small loan. 

I am looking forward to hearing at your convenience.

FAQ’s On Requesting Loan

How do I write a letter requesting a loan?

Answer: It is not a hard matter. Just follow the structure and fill up the place with your right information.

Sub: [Application for_______ ]

Write first paragraph following the format.

Second paragraph

Third paragraph

That is enough for a letter of requesting loan.

What is the difference between application and letter?

Answer: There is a difference between application and letter. A letter is written for communication or giving information to anyone. On the other hand, an application is written to request for something.

How do you end an application letter?

Answer: You end an application letter with “Yours faithfully or your sincerely”. Besides it nowadays to write contact details at the end is very important.

Should I write thank you in advance?

Answer: Yes. You should write “Thank you” in advance for close connotation. It will express your politeness.

  • Closing your bank account
  • A new pass book
  • New check-book
  • Transfer bank account
  • Opening a joint account
  • Bank statement
  • Hire a locker
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  • Renewal of fixed deposit account
  • Complaining non-receipt of pass-book
  • Stop payment of a lost check
  • Reopen account
  • Change registered mobile number

I hope you have got the right information and chosen bank loan application letter sample . If you like the post, you can do a little help by sharing it with your friends, relatives and do comment in the below comment box.

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How to Apply for a Personal Loan

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application letter for loan in bank

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Step 1: Check your credit

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  • 1. Fill in the recipient’s name
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  • 1. Bank of America
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  • 2. Read a book
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  • Long-term mortgage assistance: Loan modification
  • Is the avalanche method for you?
  • GoodTrust: Best for digital assets
  • Understand the costs of each
  • What does it mean for existing cardholders?
  • How do you start a budget?
  • Lending Bitcoin
  • Should you switch plans?
  • Do all workers earn at least the minimum wage?
  • Best whole life insurance policies for 202 4
  • Does an employer credit check hurt your score?
  • What credit cards come with Priority Pass?
  • Investing in stocks
  • Who loses and wins under policies like EU261?
  • Harvest tax gains
  • Actual cash value vs. replacement cost
  • When is the best time to use American miles?
  • Step 2: Choose a registered agent in Texas
  • Understand when telehealth makes sense
  • How nonqualified stock options work
  • How to downgrade your American Express card
  • 1099-MISC vs. 1099-NEC
  • Staying safe from cancellation
  • Average daily balance
  • Mortgage insurance vs. homeowners insurance
  • A closer look
  • APY to interest rate calculator
  • Are these the best stocks to buy now?
  • Why use an IUL for retirement?
  • Amazon Rewards Visa Signature Card
  • Alternatives to Robinhood
  • How to read a forex quote
  • If you had federal student loans previously managed by Navient
  • 3. What’s not covered?
  • Complicated spouses
  • Who might prefer the Capital One Venture Rewards Credit Card
  • Getting ready for a recession
  • Why is OpenAI in the news so often?
  • Good balance transfer cards
  • 3. The IRS has the paperwork you’ll need
  • What to include in an executive summary
  • How to pay off nursing school debt
  • What happens during an international layover
  • 4. You'll stay on your issuer's good side
  • What comes next?
  • United canceled flight compensation: travel credits and miles
  • 2. The kids' names shouldn't be on the deed
  • What is exempt from Texas sales tax?
  • Mortgage selection tips
  • Budgeting for both needs and wants
  • An alternative perspective to FIRE
  • What's the difference between regular debit cards and prepaid debit cards?
  • 2. Capital One hopes to expand its digital banking reach
  • 3. Accounts payable
  • Password-enabled blackmail
  • Basic stock chart terms to know
  • 4. Sell stuff online
  • What is a flexible spending account (FSA)?
  • When to use a credit lock
  • What to expect in Turkish Airlines economy class
  • 4. If you’re inconvenienced overnight, Delta will provide hotel accommodations or offer compensation
  • What’s the difference among the three Southwest fare types?
  • When is the best time to travel to Puerto Rico?
  • Child tax credit expansion: What the new tax deal could mean for you
  • Get a secured credit card
  • How quickly could the IRS implement the child tax credit expansion?
  • 4. Open the mobile deposit function in your bank app
  • Kikoff fees and penalties
  • Retirement savings by age
  • Serve American Express Prepaid Debit Account
  • How does a SEP IRA work ? The pros and cons
  • Frugal entertainment tips
  • The realities of rewards
  • Alternatives to equity crowdfunding
  • How to invest in AI stocks
  • How to buy AI ETFs
  • 3. There’s an exclusive lounge
  • How does the IRS Free File program work?
  • How to buy a life insurance policy
  • How to calculate your net worth
  • What kinds of conventional loans are available?
  • Objecting because of financial hardship
  • List of blue-chip stocks
  • How to find undervalued stocks
  • How to keep a North Carolina speeding ticket off your record
  • What tire size letters mean
  • Try a simple budgeting plan
  • 4. Parks and beaches
  • How credit utilization affects your scores
  • Before you call
  • Defer student loan payments
  • Best travel insurance overall: Berkshire Hathaway Travel Protection
  • Who benefits from becoming an authorized user?
  • Approval can lower credit age
  • AARP customer complaints and satisfaction
  • What are the Section 179 limits for 2023?
  • What to watch for when you buy bonds
  • 3. Splitit doesn’t charge fees or interest
  • Trading in a car with negative equity
  • Major issuers generally offer pre-qualification
  • 3. Decide how to pay for Dogecoin
  • Best term life insurance policies for 2024
  • Pros and cons of virtual reality stocks
  • How do stablecoins work?
  • How long will your mortgage loan last?
  • 4 more ways to estimate how much life insurance you need
  • 3. Comparison shop between brands (the discount ones aren't always cheapest)
  • 5 ways to make money on Instagram
  • 4. You’ll pay 0% interest at first
  • How to qualify for the QBI deduction
  • How to apply for a VA home loan
  • Decide what type of account you want: checking vs. savings
  • 401(k)s and other employer-sponsored retirement plans
  • 6. Volunteer
  • Is credit insurance right for me?
  • Credit-builder loans vs. secured cards
  • How much does a stock broker make?
  • How to remove someone from a car loan
  • You decide: Is Bitcoin a good investment?
  • 3. Bilt World Elite Mastercard® Credit Card
  • 4. You need to be a big spender to get a Centurion Black Card
  • How to get a refund on Southwest Airlines
  • Standard deduction
  • LLC vs. sole proprietorship: Operations and management
  • Know a CD’s federally insured maximum
  • 3. Renters insurance can pay for housing after a disaster
  • How do share certificates work?
  • OASDI limit 2023
  • 3. You can earn cash back, but with caveats
  • IDShield pros
  • Heat pump tax credit 2023
  • Key Terms in This Story
  • Which credit cards offer extended warranties?
  • When should I receive my 1099?
  • Compare car insurance rates for 20-year-olds
  • State seller's disclosure laws differ
  • Potential issues with having multiple credit cards
  • How do you deduct gambling losses?
  • Choosing a flat-rate cash-back credit card
  • How to apply for an employer identification number
  • 5. Utilice los beneficios de su tarjeta de crédito
  • 4. Finance charge
  • Should you invest in the stock market?
  • One more thing: Consider alternatives
  • When will I get my tax refund in 2024?
  • Medicare Supplement Insurance prices in Pennsylvania
  • 4. Learn your store’s coupon policy
  • 4. You won’t earn any ongoing rewards
  • Business travel decline
  • How far in advance should I get preapproved for a mortgage?
  • During a deferment
  • How to calculate your home office tax deduction
  • When is the best time to use United miles?
  • 2. Consider debt consolidation
  • How to pay off a mortgage early
  • Referral bonus annual limits
  • 3. Redemption is flexible but complex
  • California income tax deadlines
  • Where to get a commercial loan
  • Why is Bitcoin still popular?
  • Cost of term life vs. whole life
  • Should you buy growth stocks?
  • Should you bundle home and auto insurance?
  • Apply for loan modification
  • Other payroll tax items you may hear about
  • How a savings account works: withdrawal limits
  • Child tax credit 2024
  • Facing stiff competition? Be flexible
  • Local and city free-tuition programs
  • IRA vs. 401(k): A road map
  • Investment fee calculator
  • The cheapest midsize car insurance company: American National
  • How to pay for your education
  • American Family home insurance coverage
  • Mindful spending
  • Average interest checking account rate: 0.07%
  • REITs' average return
  • How to meet your monthly savings goal
  • What are the credit score ranges?
  • What about domestic airfares?
  • 4. There’s no cap on cash back
  • 4. Deposit or transfer money quickly when an overdraft occurs
  • How does a life insurance trust work?
  • You might get a tax bill from your state
  • 4. Sell print-on-demand products
  • What’s the difference between a pending transaction and a hold?
  • Are there any free coding bootcamps?
  • Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
  • How to deduct property taxes if you bought or sold a house this year
  • 2. Refinance for a lower rate
  • Current Citi Dividend bonus categories
  • 5. Submit the FAFSA
  • Foreign transaction fees
  • ITIN: What it is and how to get one
  • 4. Line up professional help
  • What services are available at Walmart MoneyCenters?
  • What are the advantages of a 5-year ARM?
  • 5. You could get a bonus without opening a new account
  • Comparing stocks and bonds
  • Are Roth IRAs insured?
  • Add cards ahead of time or at checkout
  • How to benefit from the account adjustment
  • How to quit your job after six months
  • TransUnion credit freeze by phone
  • 4. CouponCabin Sidekick
  • 5. Keep your receipt
  • 5. Not transferring points
  • ‘Deferred interest’ or ‘special financing’ offers aren't the same as 0% APR
  • 4. Leverage the features that make sense for your business
  • What to expect the stock market to return
  • Aetna Medicare Part D prescription drug plans
  • Ensuring spectacular coastal views
  • What can I use a home equity loan for? 
  • New job out of school
  • 4. The medical expenses deduction
  • Cheap cell phone plans from brands owned by the big three
  • 3. Property tax deduction
  • What is the point of the stock market?
  • Do I have to do anything?
  • What’s yours is mine
  • What you’ll pay: Inpatient
  • 4. Join a credit union
  • 2024 Delta elite status requirements
  • Credit card loans
  • Get right-side up again
  • Reliability
  • 2. Smartly spend on the right credit cards
  • What happens when the Fed raises interest rates?
  • When a payoff isn't possible, minimize the mortgage
  • Closing costs calculator
  • You're eyeing travel perks or a massive sign-up bonus
  • Higher Education Act justifies Plan B
  • Next step: write a business plan
  • State Farm home insurance coverage
  • Cheap financial advice
  • One-quarter of Americans used BNPL in the past year
  • Goodwill letter vs. credit dispute letter
  • 3. Heirs can disclaim the timeshare
  • When you might still sign
  • 4 . Eliminate fees
  • How you can affect each other's credit scores
  • Why a cash offer may be better than a financed offer
  • Rules for refinancing VA loans
  • 3. Wells Fargo
  • Do you include a 401(k) in a net worth calculation?
  • Employer identification number (EIN)
  • Ladder customer complaints and satisfaction
  • Game apps that pay real money: before you play
  • Most will get to retirement age, but some won’t
  • Types of adjustable-rate mortgages
  • Kidnapping scams
  • More advanced stock chart terms
  • Chase Sapphire Preferred® Card
  • 4. The card pairs well with Sun Country's loyalty program
  • What if I need cash after I hit the limit?
  • How to choose an S&P 500 index fund
  • Traditional IRA deduction rules
  • You’ll lay down more green for veggies
  • When should you start saving?
  • How to calculate alternative minimum tax
  • Are I bonds a good investment?
  • Standard deduction 2023
  • Sole proprietorship taxes: Special deductions
  • 2. An interest-bearing checking account that earns 1% or more
  • Other factors can help you buy a car with bad credit
  • Who should make estimated quarterly tax payments?
  • How do I open a SEP IRA?
  • When can you withdraw from your Roth IRA?
  • Weigh the pros and cons
  • 2. EarnIn: Best for large advances
  • Secured credit cards: Examples
  • How to set up an IRA
  • 3. It’s free of some fees
  • Pay more than the minimum, if possible
  • Risks of self-directed IRAs
  • Available Delta credit cards and their terms
  • Short-term capital gains tax
  • How do alliances work for miles and rewards?
  • What Medigap Plan G doesn’t cover
  • The Federal Trade Commission’s budget worksheet
  • 1. High-yield savings accounts
  • Earning miles through the Emirates credit cards
  • Earned income tax credit 2024
  • When to see a plastic surgeon instead
  • Limited usability, limited services
  • More about AARP
  • Rising costs thwart debt payoff plans
  • Is it worth it to cash a savings bond?
  • 3. Curbstoning
  • Are bonds a good investment?
  • What is a nonconforming loan?
  • 3. Point values are high, but be aware of the expiration policy
  • Rental car insurance vs. your own auto insurance
  • 5. It offers travel and purchase protections
  • Which is better?
  • 7. Visit the farmers market
  • What is my Georgia residency status for state income tax purposes?
  • The time and place for CDs
  • When you can change your United flights
  • Dividend kings vs. aristocrats
  • How do you find a broker?
  • How to make interest-only payments on student loans
  • Fiat currency vs. cryptocurrency
  • How to unfreeze your credit
  • What do U.S. passport status updates mean?
  • Making good financial decisions
  • More to consider
  • Taxation on nonqualified stock options
  • 7 types of identity theft and the warning signs
  • Pros and cons of cash value life insurance
  • What is the difference between a 1099 and 1099-MISC?
  • Where robo-advisors shine
  • Travel and entertainment perks
  • AARP Medicare Part D prescription drug plans
  • Can I contribute to a Roth IRA if my income is too high?
  • How to respond to a crypto downturn
  • Discount points
  • Citi Flex Pay
  • OASDI limit 2024
  • Do I have to pay state tax on lottery winnings?
  • Average monthly expenses that increased year over year
  • Education tax forms
  • What happens if you don't pay your taxes?
  • How to get started investing in private equity
  • What do points on a mortgage mean?
  • What a good credit score can get you
  • Survey sites that pay cash
  • Is per-card or overall utilization more important?
  • What is Frontier stretch seating?
  • Does Max cost the same as HBO Max did?
  • Who can open a joint business account
  • Tips to build your credit
  • 5. You could activate your grace period
  • 4 ways to identify greenwashing in banking
  • What does 'account closed' mean on a credit report?
  • Small-business lending statistics
  • Why do companies file IPOs?
  • Frontier Airlines
  • Factors that affect the cost of car insurance
  • Was this a bailout?
  • Startup business grants from private companies and nonprofits
  • 5. Housesit
  • How much does it cost to buy Vanguard index fund shares?
  • What are the potential drawbacks of GoodRx?
  • How does Spotify fit into your budget?
  • Wealth manager credentials
  • Paying for cabs
  • 3. Dividend-paying common stocks
  • 3. Don’t ask for too much cash
  • Average mutual fund return
  • 5. Take clear pictures of the check with your mobile device
  • Mid fee: Chase Sapphire Preferred® Card
  • Goodbudget, for hands-on envelope budgeting
  • Bank of America routing numbers
  • Store your Bitcoin on Cash App
  • Why do I have to pay FICA tax?
  • Requirements: Who qualifies for the child tax credit?
  • Hard credit inquiry or soft inquiry?
  • Exceptions to IRA contribution limits
  • 4. Find the right car for you
  • How to get started with equity crowdfunding
  • National Debt Relief at a glance
  • How much do streaming services cost?
  • 203(k) eligible projects
  • Why is net worth important?
  • 6 types of dividends
  • 5. In the street
  • Perks: Goodies that come with the card
  • 3. Club Millésime lounge access can be bought or earned
  • How to day trade stocks
  • Commodity stock risks
  • Key features of the new American Express® Gold Card
  • What are your legal rights?
  • How to get a bigger property tax deduction
  • SITE Centers Corp. (SITC)
  • Consider all your options first
  • Are debt consolidation loans a good idea?
  • What state has the lowest gas prices?
  • 3. Get a new appraisal
  • State Farm life insurance rates
  • Self offers a related secured credit card
  • Pay yourself back later
  • What’s a spousal Roth IRA?
  • Use the technology you like best
  • Keep an eye out for PointSavers
  • Lifting a TransUnion credit freeze
  • What you need to submit the FAFSA
  • Major airlines with free texting through messaging apps
  • LLLPs: Advantages and disadvantages
  • How to apply for an IRS payment plan
  • How to find the best stocks to buy now
  • Fees for USDA and VA loans
  • Travel and emergency assistance
  • IDShield cons
  • Who qualifies for the energy tax credit?
  • High interest rates may last for years
  • If you can't get your own credit card
  • Spouses no longer need to co-sign IDR applications
  • Can I buy VIX?
  • 4. Peer-to-peer lending
  • Is the debt snowball method for you?
  • 5. Use IntraFi Network Deposits
  • How employers can counteract the temptation to cash out
  • Other ways to prepare for home costs
  • Top credit cards that offer preapproval without a hard pull
  • 3. There's a modest but easy-to-snag sign-up bonus
  • If you're traveling overseas
  • 4. Save for college
  • Who pays the closing costs?
  • MassMutual customer complaints and satisfaction
  • How to rebuild credit after repossession
  • Overspending is common, despite monthly budgeting
  • Make the most of a long layover
  • Pros of infinite banking
  • How target-date funds work
  • How are dividends taxed?
  • 6. Compre de manera inteligente
  • 5. Foreign transaction fee
  • Local sales
  • Tips for avoiding late payments
  • 4. You can walk your dog
  • Who collects TX sales tax?
  • 5. Learn about federal insurance
  • Rules for refinancing USDA loans
  • Why the Roth IRA works for many savers
  • Best life insurance company overall: MassMutual
  • Why haven't I received my tax refund?
  • Here are some typical debit card fees
  • Travel-friendly features
  • 3. Discover would remain its own brand
  • How Ladder compares to other insurers
  • 5. Pre-qualify without affecting your credit score
  • Some fans even travel internationally — which can be cheaper
  • Other Frontier fees
  • How much are American Express Membership Rewards points worth?
  • 3. Urban Cowboy in Nashville, Tennessee
  • How to maximize savings
  • 2. Check if you qualify for PAYE
  • Accepting a Capital One referral: Caveats and considerations
  • Consider specialized apps to make it easy
  • 5. You can ask for compensation
  • When to estimate closing costs
  • How much do index funds cost?
  • How to apply for a Kikoff line of credit
  • TruStage customer complaints and satisfaction
  • Watch out for title washing
  • How to pay self-employment tax
  • 3. Take as much risk as you can stomach
  • Qualifying for a Single Family Housing Direct Home Loan
  • 3. Get help from your employer
  • 4. There’s a private check-in line
  • Which life insurance policy is right for me?
  • What about in-person gambling?
  • An alternative: Blue-chip funds
  • 4. There’s no welcome offer
  • Do you need collision insurance?
  • 5. Find tax credits for health insurance
  • Reconsidering the Apple Card for everyday spending
  • 3. Use a retirement calculator
  • How fast does an authorized user build credit?
  • Circumstances that may qualify for a hardship program
  • 5. Link to another account
  • How to avoid capitalized interest on student loans
  • If your student loans were in default before the pandemic
  • ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
  • Chase Sapphire Reserve® : Changes at a glance
  • Key things to know about stocks
  • 5. Sell handmade goods
  • 4. Decide how to store your Dogecoin
  • Customer experience
  • New Aeroplan distance bands with lower award pricing
  • Upgrade your cyber hygiene
  • 5. File taxes without a W-2
  • A quick guide to popular 2023 tax credits
  • If you’re over the income limit
  • Pros and cons of VA home loans
  • 8. Go thrift shopping
  • Types of replacement cost coverage
  • Kids need an ID when flying internationally
  • States that have estate taxes, inheritance taxes or both:
  • 5. Capital One Shopping
  • 5. Centurion Cardmembers still get to bring guests into the Centurion lounge
  • Eligible child and dependent care expenses
  • 6. Spending points versus paying a low cash price
  • Rules for life insurance benefits at work
  • 4 tips for keeping your money in CDs insured
  • Remember your CD’s maturity date
  • 4. Resist dipping into your other savings
  • How to get a home equity loan
  • 4. It can protect your finances
  • Is the OASDI tax mandatory?
  • 4. Nondeductible IRA
  • Why teachers aren’t covered by Social Security
  • Credit cards help you track spending
  • Bid and ask prices
  • For the pet parent: Petco Pay credit card
  • Which card should you get?
  • Other coverage options
  • Factors to consider before paying rent with a credit card
  • How to sign a check over to someone else
  • The dealer is not your friend
  • Discounted gift cards
  • Paying the VA funding fee
  • Stay motivated
  • Lower prices could have hidden effects, too
  • How to protect yourself from credit card fraud
  • How much should you pay yourself?
  • Globe Life customer complaints and satisfaction
  • How do you set up a lady bird deed?
  • When do personal loans not make sense?
  • What does generational wealth mean to Yang?
  • Net worth calculator
  • How to buy gold stocks, mutual funds and ETFs
  • Perks: Goodies for carrying the card
  • Pros and cons: SeaWorld all-day dining upgrade
  • IRA income limits
  • What happens when you get a margin call?
  • Why you might want the Chase Sapphire Reserve® instead
  • 4. Assets and additional applicants
  • Factor in other costs
  • How much should you spend on a mattress?
  • Spirit Airlines change fees
  • Eliminate mortgage insurance
  • Do I have to file taxes?
  • Frugal DIY project tips
  • Mistake No. 2: I maxed it out
  • Cost of full coverage car insurance
  • How to find AI ETFs
  • What to know about National Debt Relief
  • Schedule C: Tips and tricks
  • More about these investment expenses
  • What else should I consider?
  • Why some travelers might choose the Capital One Venture Rewards Credit Card
  • Types of REITs
  • 6. Libraries and museums
  • What additional benefits do I receive through the alliance?
  • Mortgage assistance tips
  • When not to call the IRS
  • 2. Choose how you'll pay
  • Transfer your points and miles
  • 3. Your eligibility for the welcome bonus
  • Flying into the unknown
  • Step 2: Assess your current cards to determine which ones to apply for
  • Research health requirements, other rules
  • When store cards are a good idea
  • How much should you invest in Reddit stock?
  • 3. Facebook
  • How to resolve an issue with a pending transaction
  • 3. Reassess your insurance carrier
  • Other benefits
  • VA loan down payment requirements
  • Why should I open a bank account if I'm undocumented?
  • When are New York state income taxes due?
  • 4. Leverage memberships
  • 5. Plan as best as you can before you leave
  • Are Walmart MoneyCenter services worth it?
  • Monitor mutual fund distributions
  • How to rebook your United flight at a cheaper fare
  • How has the value changed over time?
  • Terminal B: British Airways Lounge, SAS Lounge and USO Center
  • LLC vs. Sole proprietorship: Taxes
  • Is cash value life insurance right for you?
  • What happens if you don’t have home insurance and your home is damaged?
  • 5. Let apps do the work for you
  • About home equity lines of credit
  • How to redeem Wells Fargo Rewards
  • Self-employment
  • Does leasing a car build credit?
  • How to claim the home improvement credit
  • 4. Deduction for repairs
  • The bottom line
  • Types of 1099 forms
  • What does a seller's disclosure include?
  • 4. How to file a claim for car rental insurance
  • 6. Open a cash management account
  • How much is one point on a mortgage?
  • Your 401(k) plan allows after-tax contributions
  • What a 700 credit score can get you
  • How hazard insurance works
  • Chase Freedom Unlimited®
  • Why a financed offer may be better than cash
  • Rules for refinancing jumbo loans
  • APR vs. APY: What’s the difference?
  • 2. Electronic funds withdrawal (EFW)
  • 4. Accounts receivable
  • More about Ladder
  • 5. Make a shopping list and use apps for more savings
  • How does a HELOC work?
  • How do HSA and FSA contributions work?
  • What types of travel insurance coverages do credit cards usually offer?
  • When networks pay
  • Mortgage rate factors beyond your control
  • 2024 standard deduction
  • Refunds, audits and other considerations
  • Do I have to pay California state tax?
  • More about TruStage
  • ONE VIP Visa Prepaid Card
  • What can you buy with Bitcoin vs. Ethereum?
  • Debt making Americans feel anxious, overwhelmed
  • How to invest in dividend stocks
  • How can I access these lounges?
  • 2024 IRS Free File: Participating software providers
  • How to increase your net worth
  • How many banks have collapsed?
  • 6. Apply for college grants
  • Capital gains tax rate 2023
  • How much does Medigap Plan G cost?
  • 5. Don’t expect a sign-up bonus or introductory APR
  • Other ways to build credit
  • How to qualify for the earned income credit
  • How to book a business class ticket with Turkish Airlines
  • Accepting payments or tips in Bitcoin
  • 4. Installments may pack short- and long-term options
  • Many in credit card debt feel stressed, worried
  • Do I pay taxes when I cash in savings bonds?
  • 6. Sell digital products and downloads
  • What affects your flood insurance cost?
  • How many years can you file back taxes for?
  • Categories from previous years
  • How to buy virtual reality stocks
  • W-4 form 2024
  • RetailMeNot
  • 9. Go for a walk
  • What does Anthem Medicare Advantage cost?
  • How to decide if group life insurance is right for you
  • How to invest in dividend aristocrats
  • Extra security behind the scenes
  • Key differences
  • The downsides of a credit card product change
  • Step 3: Obtain Texas business permits
  • How long does passport processing take?
  • What else will change for tax year 2024?
  • Why is there an egg shortage?
  • You'll likely forgo a welcome bonus
  • Details: Chase Freedom Flex℠
  • Aetna Medicare Part D cost
  • Property taxes
  • Home equity loan rates in 2023
  • What if you fail a home insurance inspection?
  • Frontier’s Discount Den benefits
  • 4. Beware of the sky-high interest rate
  • Gap insurance for a leased car
  • Average monthly expenses that declined
  • Claiming gambling losses on your taxes
  • How many parks are in Disney World?
  • How much does Frontier Airlines stretch seating cost?
  • History of getting to 1.5%
  • OpenSky® Secured Visa® Credit Card
  • 5. Fund your FSA
  • Can you invest in OpenAI’s partners?
  • 3. Use status matches from other loyalty programs
  • Does HBO Max allow password sharing?
  • 4. Carrying a balance is a big expense
  • How MassMutual compares to other insurers
  • How to apply for a joint business bank account
  • 7. Pida un aumento
  • 6. Late payment fee
  • How long will a paid-off account take to show up on your report?
  • Texas sales tax holiday
  • Here's what to do if your debit card is stolen
  • Steps to getting a debt consolidation loan
  • What does a construction loan cover?
  • Will the Fed still raise interest rates?
  • Open your Etsy shop
  • Simplified version vs. actual expense deduction
  • What is Ohio’s standard deduction?
  • Can United miles be used on other airlines?
  • How to invest in the S&P 500
  • The wheat supply chain is still strained
  • Discontinued programs that no longer offer free admission to Disney
  • How much can you make with I bonds?
  • 3. A CD ladder
  • Diversifying with index funds
  • Other Kikoff credit-building tools
  • Bundling tips
  • Tax deductions for self-employment
  • Selling Bitcoin
  • Saving and investing
  • Additional child tax credit
  • How do I invest my SEP IRA?
  • 5. Food and alcohol are included
  • Finding and navigating Airbnb cleaning fees
  • Secured credit cards vs. prepaid debit cards
  • Consider your get-out-of-debt options
  • Working conditions
  • Already saving, ready to maximize
  • 7. Aquariums and zoos
  • Place loans in forbearance
  • More ways to take charge of your budget
  • 6. Get a prepaid debit card
  • Medicare resources in Massachusetts
  • Final steps
  • What states are increasing minimum wages in 2024?
  • 4. VIN cloning or car cloning
  • Covering your spouse under your solo 401(k)
  • Flag fraud attempts
  • Do I have to pay New York state income tax?
  • An alternative to traditional real estate: REITs
  • Find a bank that suits your needs
  • 8 questions to ask before getting credit insurance
  • 3 excuses that keep you from making money investing
  • State Farm customer complaints and satisfaction
  • How do payday loans affect credit?
  • Check your copay
  • When to consider regular or jumbo CDs
  • Watch out for capital gains taxes
  • Auto-Owners
  • 2. Free online tax preparation services
  • 7. Not using your benefits
  • Calculate your reduced Roth contribution
  • Elite status perks
  • Here comes the sun
  • An alternative to chasing the best stocks
  • Card considerations
  • ‘Why IUL is a bad investment’
  • Cheap cell phone plans from brands that resell network service
  • U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
  • Over-the-counter medicine
  • Permanent life insurance cost
  • How does the Fed raise interest rates?
  • Other MAGI calculations
  • Forgiveness would occur in 2025
  • Domestic vs. international fees
  • Verizon unlimited plan: How it compares on price
  • When do you have to pay taxes on stocks?
  • How Globe Life compares to other insurers
  • Reasons to refinance
  • What are the risks of investing in an IPO?
  • 4. U.S. Bank
  • Buying bundles: the Works and the Perks
  • How much to tip housekeeping
  • 6. Write online reviews
  • After consolidation
  • What about the thieves?
  • Should you pay the statement balance or current balance?
  • 3. Work with your creditors
  • The risk of using credit cards in cabs
  • How to gift stock
  • Get a credit-builder product or a secured loan
  • How to choose between term and whole life insurance
  • 6. Confirm the check details and complete the deposit
  • Mattress-buying tips
  • Additional functionality
  • How much to keep in your savings account
  • Traditional IRA vs. Roth IRA
  • 5. Contact the seller or visit a dealership
  • The long straddle

Step 3: Choose your lender and loan

  • 3. Empower: Best for fast cash
  • What about state lotteries?
  • Advantages of conventional loans
  • 5. Reap extra benefits through American Express
  • What info do you need for a home insurance quote?
  • Venmo Credit Card
  • 'Vote' for expenses you want to keep
  • Other college savings account options
  • Why you might want the Citi Custom Cash® Card instead
  • How to fill out Schedule E
  • Priority Pass lounge access
  • Types of life insurance trusts
  • Is United’s basic economy worth it?
  • What happens if you don't pay your back taxes?
  • 6. Request more time to file
  • Urstadt Biddle Properties Inc. (UBA)
  • Resources to turn to
  • Do debt consolidation loans hurt your credit score?
  • 10. Take a hike
  • Give away appreciated assets
  • Visa and passport differences
  • 4. Refinance to get rid of PMI
  • Hack your IRA
  • How to open a Roth IRA in 6 steps
  • How flexible are American miles?
  • Aim for off-peak rates
  • 4. Chime Secured Credit Builder Visa® Credit Card
  • How to make a rental car insurance claim
  • Are my other types of debt a problem?
  • 4. Set up your LLC bank account
  • Where personal financial advisors shine
  • 6. Remember that Instagram isn’t the end-all be-all
  • It’s go time: Apply for a card
  • 5. Get help with saving for a down payment
  • Cold wallets
  • Should I take a lump sum payment or annuity payments?
  • 5. Spousal IRA
  • Is the energy efficient home improvement credit refundable?
  • How much should I spend each month?
  • Why is the IDR account adjustment happening?
  • Cons of Disney Vacation Club
  • How long can you go without filing taxes?
  • Other partners worth considering
  • 5. Online savings accounts
  • 7. Put your money in a MaxSafe account
  • Are mortgage points tax-deductible?
  • What affects your credit score?
  • 4. You’ll receive an instant card number upon approval
  • Your 401(k) lets you move your after-tax money
  • 4. You can write off Bitcoin losses
  • More about MassMutual
  • The future of the bill
  • Mistakes to avoid while paying yourself
  • 7. Over-limit fee
  • Clothes, vintage and crafts
  • 5. You may score a free massage 
  • Methodology to determine the best airline
  • Estimate your 2024 IRS tax refund date
  • What Pets Best pet insurance covers
  • How much car insurance you need
  • Medicare resources in Pennsylvania
  • Decent AmEx transfer partners
  • 6. Use coupons strategically
  • Redeeming Amtrak points
  • Airplane cleanliness standards
  • What is a good DTI ratio?
  • 4. Hilton Cabana Miami Beach
  • 5. Redemption is limited
  • Quick tips on avoiding Reg D related fees
  • Choose a savings account that will pay you more
  • 4. Consider a co-signer
  • What do closing costs include?
  • 3. Search unclaimed property databases
  • How to lease a car
  • Airline loyalty programs
  • Tips to find cheap flights any day of the week
  • Chase routing numbers
  • Foundation grants for nonprofits
  • 8. Cafes, restaurants and bars
  • Does insurance cover abortions?
  • How to store the Bitcoin you buy
  • 4. Revisit regularly
  • Trust & Will: Best for ease of use
  • 4. Your current Sapphire situation
  • What happens if you don't stop a tax offset?
  • 5. Not all cards are well-received
  • Money market mutual funds vs. money market accounts
  • 7. Sell thrifted or vintage goods
  • Controversy around employer credit checks
  • Is the Bank of America® Travel Rewards credit card worth getting?
  • Why do people use stablecoins?
  • Things to know about JetBlue TrueBlue
  • Where single-parent households can still gain ground
  • Hedging bets instead of timing CDs
  • Self loan fees and penalties
  • Benefits of CD ladders
  • Step 4: File a certificate of formation
  • 6. The Centurion Black Card offers an unbelievable level of concierge service
  • Interest rate
  • Are home equity loans a good idea?
  • Home office expenses
  • 5. It covers belongings away from home
  • Auto rental collision damage waiver
  • Before you go shopping
  • 5. A checking account is required
  • For the human parent: The Children’s Place credit card
  • How to buy silver stocks, mutual funds and ETFs
  • How to make homebuying less painful
  • What if a seller lies on the disclosure statement?
  • How do I apply for an SBA business acquisition loan?
  • What’s staying the same
  • A Hollywood bidding war breaks out
  • Types of private equity investments
  • Potential impact of multiple credit cards on your credit scores
  • How does credit utilization affect my credit score?
  • Credit card rewards
  • Which should you choose?
  • How to fit HBO Max into your budget
  • How can I pay off debt if I can’t get a balance transfer card?
  • Ways to earn money as a teenager
  • Hawaiian Airlines
  • Compare your net worth
  • Gold investments and diversification
  • Protections: Shopping and travel benefits
  • 4. The deal faces regulatory hurdles
  • Adoption taxpayer identification number (ATIN)
  • How do construction loans work?
  • Get personalized help
  • How long-term care insurance works
  • You can also buy travel insurance separately
  • What tax breaks do you lose under the AMT?
  • Is a wealth manager worth it?
  • Airlines that allow unaccompanied minors and their fees
  • 6. Travel insurance can protect you even more
  • What are the most popular attractions in Puerto Rico?
  • Look for savings
  • How does cryptocurrency work?
  • 7. Keep the check until it's processed
  • 4. Seek inexpensive diversification
  • Don’t have to file a tax return? There’s a big reason you might want to do it anyway
  • Consumer complaints
  • Risks of debt settlement
  • BNPL may be hiding additional debt
  • 4. Delay enrollment and save
  • Cheapest car insurance after a speeding ticket: State Farm
  • Tire size chart
  • Who might prefer the Capital One VentureOne Rewards Credit Card
  • What is a business money market account?
  • The best times to day trade
  • 7. Look for a bank with a generous overdraft policy
  • How to get into the Plumeria Lounge at HNL
  • Does Section 179 cover real estate?
  • Compare the best savings and money market accounts
  • Rising interest rates are making it harder for many to pay off debt
  • How to open a solo 401(k)
  • Can I lose money investing in bonds?
  • How to find the 2024 W-4
  • 4. It’s a great deal for Ulta salon clients …
  • Get more help with monthly budget planning
  • VA loan property requirements
  • Our picks for PayPal
  • How the qualified business income deduction works
  • 5 types of employer-sponsored retirement plans
  • 11. Ride a bike
  • When to get your first credit card for travel
  • How are gas prices determined?
  • Are payday loans legal?
  • Important Treasury Bond Terms
  • Storing your Bitcoins: Hot wallets vs. cold wallets
  • 8. Misunderstanding bonus categories
  • Who should form an LLLP
  • Big picture: CDs fit in the cash portion of a portfolio
  • What’s the best overdraft option for me?
  • Grace periods at some banks
  • Should you earn Wells Fargo Rewards?
  • Is OASDI tax the same thing as Social Security tax?
  • How to calculate your credit
  • What is a pip?
  • Insurance for leased cars at a glance
  • What is the stock market doing today?
  • How do other IDR plans compare?
  • How charge cards can trip you up
  • 8. Opt for an account with both FDIC and DIF insurance
  • Alternatives to writing a check
  • 6. Subsidize your dependent care FSA
  • Should I do a balance transfer?
  • 5. The free rewards program is the bigger win
  • How to invest in target-date funds
  • Additional costs for international wires
  • Some with credit card debt keep it a secret
  • Can you deduct TX sales tax?
  • More about Globe Life
  • Can you get cash back with Apple Pay?
  • Best life insurance company for applicants with HIV: Guardian
  • Alternatives to a lady bird deed
  • Medicare Supplement Insurance Providers
  • Pros and cons of jumbo loans
  • Dining reservations
  • Should I tip housekeeping if they don’t enter the room?
  • How ARM rates are set
  • 7. Start a blog
  • Market your Esty shop and products
  • What’s different with debit card fraud?
  • What’s the filing deadline for my Ohio state income tax bill?
  • What’s the difference between S&P 500 index funds and S&P 500 ETFs?
  • 4. The card is fee-friendly ...
  • Additional standard deduction
  • What is California's standard deduction?
  • Next steps: Compare and apply
  • Kikoff vs. Self
  • How to calculate quarterly estimated taxes
  • Credit and debt
  • How much is the SALT deduction?
  • Frugal home expenses tips
  • State thresholds for the medical expense deduction
  • When a general travel credit card is a better fit
  • How much life insurance should I buy?
  • How collision insurance works
  • Average certificate of deposit rate: 1.83% for one-year CDs
  • What index funds and ETFs have in common
  • Watch out for scams
  • 2. Certificates of deposit
  • Reimbursed Global Entry or TSA PreCheck fees
  • 2. Low-interest and balance transfer cards
  • 8. Help other business owners set up online stores
  • How to avoid used-car-buying scams
  • Types of mortgage loans
  • What is the VA loan limit?
  • What to expect when you open your new account
  • What is Georgia's standard deduction?
  • Visa vs. passport recapped
  • Dividend aristocrats ETFs
  • How to avoid inheritance tax
  • How you could lose FAFSA eligibility
  • Southwest's cancellation policy
  • Who counts as a qualified care provider?
  • Understanding the American Express card families
  • AARP Medicare Part D cost
  • Minimum monthly payments for IRS installment plans
  • Ways to get the best home equity loan rates
  • Compare lenders
  • When Grubhub+ might be right for you
  • Who should avoid Frontier Airlines?
  • What will count toward IDR forgiveness?
  • Using the mortgage points calculator
  • How do state taxes treat gambling?
  • Tires and gasoline
  • 5. Carrying a balance could be costly
  • 4. Book hotels through certain websites
  • Compare prices and services
  • What is the Federal Reserve Board?
  • Recent IPOs: How did they do?
  • State Farm home insurance rates
  • Tips for maximizing delayed flight compensation
  • 8. Returned payment fee
  • Should you accept an all-cash offer?
  • Why you may not be getting a response after an interview
  • 4 ways to start investing
  • 5. Citibank
  • How compound interest works
  • How to buy physical gold
  • What happens next?
  • Buying a put option vs. short selling
  • How do I access the money in my FSA or HSA account?
  • Is all-day dining at SeaWorld worth it?
  • Under income-driven repayment plans
  • 3. Run the numbers
  • Consider the costs of cashing out your 401(k)
  • How to build your credit before car shopping
  • Quick start guide: How to invest in index funds
  • Alternatives to savings accounts
  • FamZoo Prepaid Card
  • Could we be in an AI bubble?
  • Refinancing with an FHA 203(k) loan
  • 6. It grants health club access
  • What are IRS Free File Fillable Forms?
  • Should you use a credit card for gambling?
  • 5 things to know about Arizona state income tax
  • Benefits of a larger down payment
  • Credit union personal loan rates
  • 3. Store your cryptocurrency
  • Best for emergency medical coverage: Allianz Global Assistance
  • 3. Get disability and life insurance
  • Step 3: Take advantage of new credit card welcome bonuses
  • National grants available to Florida small businesses
  • Day-trading Bitcoin
  • 4. Instagram
  • Minimum wage increases
  • What are the advantages of filing back taxes?
  • How much of my portfolio should I invest in bonds?
  • More from tax filing resources:
  • What is New York state's standard deduction?
  • 5. Opt for economy cars
  • Know your rights
  • How to freeze your child’s credit
  • If you haven’t received your passport
  • Shipping alcohol
  • Ready to get started?
  • 6. The cost may be less than you expect
  • Can I get my Social Security tax back if I’ve overpaid it?
  • Where to get roadside assistance
  • How to get a good credit score
  • Taxes for rollover IRAs: 2 rules to know
  • 2024 Delta Sky Club access changes
  • Strategies for keeping your credit utilization low
  • VA funding fee vs. mortgage insurance
  • What not to do
  • What we still don’t know
  • Food and beverage
  • What is net investment income tax?
  • How much hazard insurance do you need?
  • 7. Buy in bulk
  • Getting your Frontier baggage and other fees waived
  • Pros and cons of softsided luggage
  • Money market funds
  • 8. Game on Twitch
  • 5 things to know about Ohio state tax
  • Don’t forget higher dairy prices, too
  • Turo car insurance for guests
  • Can you delay a margin call?
  • How to keep your cards safe
  • No-closing-cost mortgages
  • The 50/30/20 budget calculator
  • Wells Fargo routing numbers
  • Bank of America® Premium Rewards® credit card
  • How to claim the child tax credit in 2024
  • SEP IRA vs. Roth IRA
  • 6. Inspect and test-drive the car, if applicable
  • Ways to get the best USDA mortgage rates
  • Consumer experience
  • Mining and environmental impact of Bitcoin vs. Ethereum
  • How to use a secured credit card to build credit
  • Cheapest auto insurers after a speeding ticket in North Carolina
  • What else your tires tell you
  • 2023 capital gains tax calculator
  • State tax department phone numbers
  • What factors impact your credit scores?
  • Buy Medigap Plan G during Medigap open enrollment
  • 4. You can get comparable club lounge perks another way
  • Should you open a money market account for your business?
  • 5. Your spending plans
  • 3. Decide how and where to source your products
  • Key terms in this story
  • Chase Sapphire Lounge by The Club
  • Compare the best CD accounts
  • Real estate contingency deadlines
  • How to choose a money market fund
  • Lingering questions
  • Earn more points with TrueBlue credit cards
  • Kite Realty Group Trust (KRG)
  • Eligibility for other VA loans and grants
  • Credit unions and banks that don’t require Social Security numbers to open an account
  • Keys to continued improvements
  • How to qualify for a debt consolidation loan
  • 12. Sleep in the woods
  • Invest in distressed communities
  • Replacement cost vs. actual cash value: How to decide
  • Next steps:
  • How did we determine the value of American miles?
  • Advantages of itemized deductions
  • Dodge sky-high cash rates
  • LLC vs. sole proprietorship: Legal protection
  • Learn more about cash value life insurance
  • Is solar panel installation right for your home?
  • Other Roth IRA rules
  • What are the fees for an IRS payment plan?
  • Be prepared for your CD’s maturity
  • Medically necessary home improvements
  • How to avoid mortgage insurance
  • How do I deal with lottery taxes?
  • Take the next step with your retirement investments
  • 5. Other expenses
  • Credit cards help build credit
  • How to buy physical silver
  • Chase car rental insurance, recapped
  • What about Frontier Airlines first class?
  • You’ve got money left over for savings
  • How the 9 states with no income tax stack up
  • How to compare personal loans
  • Cons of infinite banking
  • Other ways to cut wire-transfer costs
  • What hotel brands are part of World of Hyatt?
  • Small-business diversity statistics
  • Making the call
  • How to send (and receive) money with Apple Pay and Apple Cash
  • Where's my state tax refund? Track your state refund status
  • Which cards don’t accept applications from residents of Puerto Rico?
  • 3. The Electronic Federal Tax Payment System (EFTPS)
  • DTI isn't a full measure of affordability
  • What if I don't use all the money?
  • How did we determine the value of United miles?
  • 4. Seek help through debt relief
  • Bottom line
  • 5. ... But better travel companions exist
  • Can I book a room using hotel points in Puerto Rico?
  • TurboTax vs. TaxAct: Which one is right for you?
  • What part of my income gets taxed by California?
  • How are cryptocurrencies created?

Step 4: Gather loan documents

  • How to get IHG Ambassador status
  • How to compare home insurance quotes
  • Why did First Republic Bank fail?
  • 10. Schools and universities
  • Where are abortions available?
  • Getting ready
  • Day trading risk management
  • Glossary of overdraft terms
  • Will my spouse’s refund be garnished, too?
  • What else you need to know
  • What is the median household income in the U.S.?
  • How to prepare for a hiring credit check
  • Do I have to update my W-4 every year?
  • Are there any other risks?
  • Compare CDs with other options
  • What if a travel rewards card isn’t for you?
  • More about State Farm life insurance
  • Travel ID requirements for kids recapped
  • Downsides to CD ladders
  • 5. Navy Federal Credit Union® More Rewards American Express® Credit Card
  • 9. Picking the wrong cards
  • How to establish an LLLP
  • How to avoid overdraft fees
  • How do I grow my home's equity?
  • Calculating capital gains tax on a home sale
  • Managing expectations
  • Examples of other Comenity/Bread-issued store cards
  • November mortgage rates forecast
  • What is stock market volatility?
  • 6. High-yield checking accounts
  • Petal® 2 "Cash Back, No Fees" Visa® Credit Card
  • Keep your next Costco visit cost-effective
  • 7. Rock your HSA
  • The bottom line on OpenAI
  • Permanent life insurance pros and cons
  • Negotiate if necessary
  • 5. Failure to report Bitcoin can be costly
  • If you want to visit an airport lounge in JFK's Terminal 5
  • What’s not covered
  • Invest in real estate and enjoy hotel perks
  • Why some cars cost more to insure
  • 5. The bigger the company, the higher the interest rates
  • Do you tip concierge?
  • Balanced funds
  • The Platinum Card® from American Express
  • 5. Hyatt Centric Midtown Atlanta
  • 9. Sell photography
  • Traditional IRA withdrawal rules
  • Do I have to pay alternative minimum tax?
  • Alternative wealth management services
  • Use a co-signer
  • 5. Use collateral to secure the loan
  • What to do with an old 401(k)
  • How to file your sole proprietorship tax returns
  • How your car loan can help you build better credit
  • Important differences between HSAs and FSAs
  • High fee: The Platinum Card® from American Express
  • EveryDollar, for simple zero-based budgeting
  • 4. Use budgeting or expense-tracking apps
  • Mistake No. 3: I used retirement money to pay it off
  • 3 tips to control central air conditioning installation costs
  • 7. It’s the most expensive room type
  • Other perks on both Emirates credit cards
  • Who counts as a qualifying child for the earned income credit?
  • If your cat is an emotional support animal
  • What if you don’t qualify for Section 179?
  • How to make your ticket a better value
  • What you can do if you have credit card debt
  • 9. Develop a Shopify app or theme
  • How to transfer Chase Ultimate Rewards® points to Avios
  • Am I a resident for New York state income tax purposes?
  • Close your old account, if needed
  • 13. Gaze at the stars
  • What's the tax filing deadline for my Georgia state income tax bill?
  • How to get a Hiscox business insurance policy
  • How much does it cost to refinance a mortgage?
  • Should you list the job on your resume?
  • Some helpful links from the IRS
  • Country Financial
  • How to search United saver award availability
  • Family travel considerations
  • How much can you borrow with a home equity loan?
  • Compare alternatives
  • Things to consider
  • If you’re considering flying Frontier Airlines
  • Compare auto insurance rates for 35-year-olds
  • Social distance and your credit cards
  • Delta Comfort Plus
  • Do you ever need to change your EIN?
  • Claiming tax-deductible donations on your tax return
  • First-time home buyer programs near Illinois
  • If you’re worried about Marriott points expiration
  • Pros and cons of personal loans
  • 6. PNC Bank
  • Preparer tax identification number (PTIN)
  • Do dining plans include alcohol?
  • Emirates Economy vs Emirates Premium Economy: which is a better value?
  • How do you buy Vanguard Index fund shares?
  • Should I use a Discover card for travel?
  • Margin call causes
  • Who needs full coverage car insurance?
  • How much money can you put in a Roth IRA?
  • Many Americans bringing financial anxiety into the new year
  • Who qualifies for an FHA 203(k)?
  • Cheapest car insurance after an accident: State Farm
  • 4. Dave: Best for repayment flexibility
  • How fast does a secured card build credit?
  • Objecting to incorrect judgments
  • American Family home insurance rates
  • How much should you put down on a house?
  • 11. Theaters
  • Watch out for IRS phone scams
  • Is Plan G the best Medicare Supplement Insurance plan?
  • Steps for getting into a hardship program
  • Compare the best checking accounts
  • 5. ... But beware the ugly interest rate
  • Refinancing a VA home loan
  • Ex-dividend dates
  • Step 5: Draft an LLC operating agreement
  • Major airlines where sending text messages costs money
  • 7. AmEx offers Centurion cardmembers exclusive perks
  • Additional child and dependent care credit requirements 
  • 10. Not using your travel credit card
  • Primary vs. secondary coverage
  • Days in the cycle
  • Protection and insurance benefits
  • Contributing too much to a Roth
  • Understanding forex lot sizes
  • Is a Comenity/Bread credit card right for you?
  • Does silver diversify your portfolio?
  • What happened to mortgage rates in October
  • How to get Frontier seat assignments for free
  • Getting a refund for your funding fee
  • Other Star Alliance frequent flyer programs worth considering
  • How to pay lower taxes when selling stocks
  • How to get a tax refund sooner
  • Is APY variable?
  • 8. Start small
  • Fees across U.S. airlines
  • HELOC requirements
  • 7. Your travel card may already include travel insurance benefits
  • How to get a commercial loan
  • Mutual fund fees
  • You probably can’t have both an HSA and an FSA
  • Alternatives to term and whole life insurance
  • The long strangle
  • National Debt Relief vs. other options
  • When undervalued stocks become popular
  • How to make a claim
  • How much does it cost to open a liquor store?
  • Plan your visits to Club Millésime lounges
  • Rocket Lawyer: Best customer service
  • Business money market account rates
  • Step 4: Spend wisely and save your points
  • What should I watch out for?
  • 6. Stick to one driver
  • 14. Listen to music
  • Types of gas
  • Anthem Medicare Advantage plan types
  • Alternative CD ladder structures
  • Disadvantages of itemized deductions
  • When should you freeze your credit?
  • Taking a sip down memory lane
  • LLC vs. sole proprietorship: Paperwork and compliance
  • Embarking and disembarking
  • 7. Self-directed IRA
  • When not to use a credit card
  • Will parent PLUS loans qualify?
  • How to plan (and pay) for a Disney trip
  • Life insurance
  • What these changes mean for Delta flyers
  • Why you might prefer the Capital One Venture X Rewards Credit Card
  • Closing costs for the buyer
  • National first-time home buyer programs
  • Choose the best Hyatt credit card offer for you
  • What happens to a 700 score with a late payment?
  • Best life insurance company for consumer experience: Northwestern Mutual
  • Disadvantages of franchising for the franchisee
  • How to get a construction loan
  • Other mutual funds
  • 10. Pet sit
  • Other home office deduction rules and considerations
  • If this is giving you a headache ...
  • Do you need a passport to visit Puerto Rico?
  • How TurboTax and TaxAct compare with other providers?
  • Am I a resident for California state tax purposes?
  • Why are there so many kinds of cryptocurrency?
  • Tips for navigating Disney World while pregnant 
  • 5. Explore other expense-tracking methods
  • Online bank and credit union routing numbers
  • When to expect your child tax credit refund
  • Greenlight Prepaid Mastercard
  • 7. Determine which warranties are right for you
  • 5. Cover any remaining gaps with loans
  • If you want to score discounted Delta flights
  • How much do life insurance policies cost?
  • How to evaluate dividends
  • Save money on wedding venues near you
  • How to get a loan from a credit union
  • Other sources of Emirates Skywards miles
  • Tips for flight day
  • 5. LinkedIn
  • 10. Become a Shopify Affiliate
  • How to save on flood insurance
  • Best Android personal expense tracker apps
  • How to adjust your Form W-4
  • InvenTrust Properties Corp. (IVT)
  • Tips for calculating how much life insurance you need
  • Consider securities-based lending
  • How to track your passport status, recapped
  • 3. Volunteer Income Tax Assistance (VITA)
  • Homeowner costs that aren't tax-deductible
  • Risks of private equity
  • VA funding fee isn't the only closing cost
  • 8. See if you’re eligible for the earned income tax credit (EITC)
  • Anticipate extra costs
  • Modified adjusted gross income: The bottom line
  • Generational beliefs about finances differ
  • Cheaper ways to send money
  • Electronics
  • How much does hazard insurance cost?
  • Southwest Airlines
  • Amtrak Guest Rewards elite status
  • If your DTI is high
  • Final thoughts on hotel tipping
  • Last-minute travel deals, recapped
  • Economy class travel tips
  • I bonds and taxes
  • Become an authorized user
  • Standard deduction for dependents
  • Seller-paid closing costs
  • Are these the best dividend stocks?
  • Why did Silicon Valley Bank fail?
  • Capital gains tax rate 2024
  • Bottom line: Is day trading right for you?
  • Can I claim the EITC without a child?
  • Compare the best banks, credit unions and cash management accounts
  • Where can I buy stablecoins?
  • When is the new IDR plan available?
  • Should the U.S. adopt similar regulations?
  • 15. Make some music
  • What if I’m enrolled in Public Service Loan Forgiveness?
  • Terminal C: United Club and United Polaris
  • Home equity loan requirements
  • How to switch plans and keep your number
  • Chase Freedom Flex℠
  • How do you invest in the stock market?
  • How to choose between credit cards and charge cards
  • Campbell and Lanier look back at their trades
  • Choosing between cards? Rewards and perks might make the difference
  • Apple Cash and Apple Pay details at a glance
  • Pets Best coverage options
  • Debt-based financing options for your business idea
  • How to get a home equity line of credit
  • 6. La Maison in Midtown Houston
  • 11. Do freelance work
  • How to optimize your spending
  • Are mortgage rates the same for all lenders?
  • 6. Find the right lender
  • Alaska Airlines cheap flights, recapped
  • If you’re considering the American Express® Gold Card
  • Should you choose an HSA or an FSA?
  • Fees to check in and obtain your boarding pass for your Spirit flight
  • How to estimate taxes for an income tax extension
  • 5. Take off the retirement blinders
  • Where to find the best savings accounts
  • Should you invest in AI stocks?
  • Credit card interest rates are up and may go higher
  • How do I get an FHA 203(k) loan?
  • If you want to stay in a Grand Floridian Club Level room
  • Learn more about sector ETFs:
  • Sharing a Prime membership Using Amazon Household
  • Tips for making money on Shopify
  • Ways to boost your Aeroplan balance
  • Using your credit card for rental car coverage
  • Types of VA home loans
  • How to get a debt consolidation loan
  • How much does Hiscox business insurance cost?
  • How to find the best refinance rates
  • How to get a payday loan
  • 6. PenFed Pathfinder® Rewards Visa Signature® Card
  • 8. Yes, you can buy a mansion or a private jet on a Centurion Card
  • If you’re considering the Chase Freedom Unlimited®
  • LLC vs. sole proprietorship: Which should you choose?
  • Roadside dispatch
  • How to make money trading forex
  • Should you pay rent with your credit card?
  • United Airlines flight delay compensation, recapped
  • Is permanent life insurance worth it?
  • Add it all up
  • What if you lose your EIN?
  • Small-business industry statistics
  • Capital One Quicksilver Cash Rewards Credit Card
  • You can buy gold, but should you?
  • How to save on car insurance
  • Jumbo loans and conforming loan limits
  • Where to drink alcohol in the Magic Kingdom recapped
  • If you want to fly for free ...
  • Finding a car you can afford
  • What is the average and median retirement savings?
  • 6. Look for ways to lower your expenses
  • What taxes aren’t covered by the SALT deduction?
  • Your readiness to buy a home
  • Exclusive invitation: IHG Royal Ambassador Status
  • Gemini Credit Card
  • How much does collision insurance cost?
  • Average money market account rate: 0.66%
  • Other considerations to determine your down payment
  • Can I travel to get an abortion?
  • What to do with the Bitcoin you buy
  • Which type of life insurance should I put in a trust?
  • Getting to the Plumeria Lounge inside HNL
  • If you're thinking of flying Turkish Airlines business class
  • What about Bitcoin mining?
  • Term vs. whole life insurance tool
  • 7. Use your own insurance
  • 16. Make something
  • Georgia state tax refund
  • Step 6: Pay taxes and file information report
  • Cons of a credit freeze
  • Other ways to sell clothes online
  • How do I make changes to an IRS payment plan?
  • Will you owe capital gains taxes on your home sale?
  • Get tax help for complex issues
  • Maximizing Disney Dining Plans
  • Will my servicer know if I qualify?
  • Chase transfer partners to avoid
  • Disability insurance
  • What’s next, a 2% standard?
  • Upgrade Cash Rewards Visa®
  • Apple Cash and Apple Pay vs. PayPal and Venmo
  • More ARM terms to know
  • What are the best Vanguard index funds?
  • 4. Keep these things in mind
  • Margin call example
  • Citi Custom Cash® Card
  • Consequences of a child tax credit error
  • Other insurance companies to consider

Step 5: Submit your application and get funded

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  • 5. MoneyLion: Best for existing customers
  • Know your options
  • Additional considerations
  • Factors that don’t affect your credit scores
  • Best for travelers with pre-existing medical conditions: Travel Guard by AIG
  • 6. The amount you will travel
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  • How to claim the earned income tax credit
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  • 3. Credit-building cards
  • Determining which business licenses you need to sell online
  • Retirement accounts for small-business owners and self-employed individuals
  • U.S. Bank Cash+® Visa Signature® Card
  • Hire an advisor
  • Available Anthem Part D prescription drug plans
  • The complete list of dividend aristocrats
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  • Charitable deductions 2023
  • How do ETFs work?
  • What to do if your catalytic converter is stolen
  • 8. Capital One
  • What are the disadvantages of sole proprietorship?
  • Find local conforming loan limits
  • Cost of long-term care insurance
  • The cost of veterinary care
  • Shop with confidence
  • 5. Lower your living expenses
  • When can't you take the standard deduction?
  • Can you lose money in mutual funds?
  • Why is it called the SALT tax? 
  • 8. Negotiate the best price
  • What Americans can do
  • Final thoughts on finding cheap Southwest flights
  • Are FHA 203(k) loans a good idea?
  • Cheapest car insurance after a DUI: Progressive
  • Don’t let a cleaning fee on Airbnb derail your trip — or your budget
  • Credit cards to use for primary coverage
  • Capital gains tax rules and considerations
  • Credit union vs. online lender
  • Step 5: Book your flights
  • Urban Edge Properties (UE)
  • 17. Learn a new skill
  • Payday loan alternatives to consider
  • Major airlines where you won’t be able to text or use the internet
  • 9. You can get many of the Centurion Card's perks from The Platinum Card® from American Express
  • How to get Discount Den membership for free (or cheap)
  • Using your leverage
  • Can you contribute to a rollover IRA?
  • Disney World vs. Disneyland resorts
  • 9. Give it away
  • Tips for writing an executive summary
  • How to get a hazard insurance policy
  • Spirit Airlines
  • Restrictions and waiting periods
  • 4. Debit card
  • How much can you borrow with a HELOC?
  • 12. Create a podcast
  • The bottom line about visiting Puerto Rico
  • How to pay estimated taxes
  • Got more questions? We have answers
  • Walmart MoneyCard
  • Mistake No. 4: I cut up the credit card and stopped using it
  • Keep an eye on your credit score
  • Should you invest in cryptocurrency?
  • Other HNL lounges to consider
  • Airline pet policies
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  • Why are California gas prices so high?
  • Advantages of the standard deduction
  • The Hanover
  • How to claim the child and dependent tax credit
  • Business travel considerations
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  • Best ways to earn Chase points
  • Best life insurance company for coverage amounts: New York Life
  • Ways to get the best jumbo mortgage rates
  • You can refinance an ARM
  • Protections: Peace-of-mind benefits
  • 7. Narragansett House in Oak Bluffs, Massachusetts
  • Additional resources
  • Mutual funds: The bottom line
  • If you’re shopping for your first points and miles credit card
  • Fees to select a seat ahead of time
  • Empower Personal Dashboard, for tracking wealth and spending
  • How to improve your credit
  • LegalZoom: Best state-specific legal advice
  • Is Amazon Prime worth it?
  • 8. Forgo the extras
  • Buying rental car insurance on your own
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  • 18. Exercise
  • 2024 Georgia state income tax changes
  • Refinancing a mortgage, step by step
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  • Step 7: Follow federal requirements
  • Credit freeze or credit lock?
  • 7. State Farm® Premier Cash Rewards Visa Signature® Card
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  • Home shopping tips
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  • 13. Become a rideshare or delivery driver
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  • Carbon offsets and other gray areas
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  • State child tax credits
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  • More about the card
  • Additional Visa Signature benefits
  • What if I had delinquencies or a student loan in default?
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  • Support climate solutions
  • 9. Fifth Third Bank
  • When to avoid debt consolidation loans
  • U.S. Bank Visa® Platinum Card
  • Compare the income-driven plans
  • How to book Southwest Anytime fares
  • Get credit for the bills you pay
  • How much is my 2023 standard deduction?
  • The synthetic long
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  • Lounge benefits
  • Consequences of an EIC-related error
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  • What to book before the Aeroplan award chart changes
  • Our pick for Apple Pay
  • 19. Have a potluck
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  • Your perfect ladder
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  • Western Union
  • The big screen
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  • When to consider Global Entry instead
  • Pets Best pet insurance rates
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  • Shopping protections
  • Are I bonds low risk?
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  • 9. Maximize trade-in value, if applicable
  • 6. SoLo Funds: Best for peer-to-peer cash advances
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  • When to consider adding insurance to your rental
  • Step 6: Book your hotel
  • Final thoughts on the different United economy fare classes
  • Federal Realty Investment Trust (FRT)
  • Who can sign up for the new repayment plan?
  • 3 things to know about Georgia state tax
  • Alternatives to Hiscox business insurance
  • Who can access your frozen credit reports?
  • How to get free Wi-Fi while flying
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  • Discover it® Secured Credit Card
  • 10. Keep a file of your medical expenses
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  • What is credit card consolidation?
  • Frequently asked questions about estimated tax payments
  • What is the $500 credit for other dependents (ODC)?
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  • The difference between interest rate and APY
  • Are there credit cards that partner with airline alliances?
  • 3 best cold wallets
  • What you can learn from the average 401(k) balance
  • Use your credit card for Priority Pass lounge access
  • 9. Price out prepaid gas
  • 20. Do something productive
  • 4.
  • 10. You can get better rewards on many other cards
  • Bottom line: Is it worth claiming the child and dependent care tax credit?
  • Benefits you 'may' have
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  • After deciding
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  • Additional help
  • When to file sole proprietorship taxes
  • Fees for in-flight refreshments
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  • 8. Upgrade Triple Cash Rewards Visa®
  • Hotel credit card availability
  • Should I choose a home equity loan, HELOC, or cash-out refinance? 
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  • Are paid surveys worth it?
  • Baggage and other perks
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  • 15. Rent out items
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  • In-flight experience
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  • 10. Make the purchase
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  • If you’re considering booking a rental car with your Delta SkyMiles credit card
  • Hotel-friendly benefits
  • Best for those who pack expensive equipment: Travel Insured International
  • 7. Your Chase 5/24 count
  • Can I still get a past year's earned income tax credit?
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  • But what if I really do owe the IRS money?
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  • W-4 calculator
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  • Is there an over-55 home sale exemption?
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application letter for loan in bank

  • 5. Credit card
  • Approaches to a successful small-business evaluation
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  • Hardsided vs. softsided luggage weight
  • 16. Use cash back apps
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  • 22. Engage with your community
  • How to accumulate HawaiianMiles
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  • How much do ETFs cost?
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  • Mission Lane Visa® Credit Card
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  • When to claim the standard deduction
  • PocketGuard, for a simplified budgeting snapshot
  • Methodology
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  • Other changes to income-driven repayment in the works
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  • FHA vs. conventional loans: Summary
  • 12. Get the timing right
  • If you’re considering an upgrade to Delta Comfort Plus

application letter for loan in bank

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  • What else to know about Form W-4
  • Our pick for Venmo
  • What if you're not eligible?
  • Other cards with unique features
  • Third-party ratings for Aetna Medicare Part D plans
  • What to know if you take online surveys
  • Where should you open your investment account?
  • Are other banks are in trouble? 
  • Armada Hoffler Properties (AHH)
  • Anthem Medicare Advantage service area
  • Why trade options?
  • 5. Tax Counseling for the Elderly (TCE)
  • How to choose among the best ways to send money internationally
  • Do you need roadside assistance coverage?
  • ETFs vs. mutual funds vs. stocks
  • Best life insurance company for customer satisfaction: State Farm
  • Alternatives to startup business grants
  • Bank of America® Travel Rewards credit card
  • How to buy I bonds
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  • Step 7: Book experiences
  • Alternatives to a credit card hardship program
  • If you want to transfer Chase points
  • How much does it cost to become a life coach?
  • Check your credit scores and reports
  • Unaccompanied minor fees
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  • The final word
  • Where to get Schedule E
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  • Should you buy stocks or bonds?
  • Third-party ratings for AARP Medicare Part D plans from UnitedHealthcare
  • The best Star Alliance airlines to earn miles, recapped
  • Worth it for the long-haul
  • Is it better to get a home equity loan or line of credit?
  • Understanding state 'partnership' plans
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  • 8. Chime: Best for overdraft protection
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  • If you’re choosing between Hilton Honors vs. Marriott Bonvoy
  • If you're looking to redeem HawaiianMiles for great value
  • How long should an executive summary be?
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  • The bottom line on how to read stock charts
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  • Credit card points can still help you find good redemptions
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  • Which homeowners insurance companies should I consider?
  • Are we in a recession? 
  • Schedule E vs. Schedule C
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  • What to avoid in an executive summary
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  • 7. Direct File
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application letter for loan in bank

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application letter for loan in bank

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The process of applying for a personal loan may feel overwhelming if you don’t know where to begin or what you need.

Below are five steps and common questions to help you through the process of choosing and applying for the best personal loan for your financial situation.

Start the process by checking your credit. The interest rate and loan amount you receive depend a lot on your credit score, so reviewing your credit report lets you spot and fix any errors — like a falsely reported late payment — and strengthen your score before applying for a personal loan.

How does my credit score impact personal loan offers?

Good- or excellent-credit borrowers (those with scores of 690 or above) typically receive lower rates and have a wider group of lenders to choose from. On the other hand, bad- and fair-credit borrowers (scores below 690) may have fewer options and receive higher interest rates.

How do I see my credit score for free?

You can get a free credit score and credit report with NerdWallet. You can also request free credit reports directly from the three major credit bureaus at .

Pre-qualifying for a personal loan gives you a preview of estimated rates, monthly payments and terms before you submit a formal application. Many lenders allow prospective borrowers to pre-qualify on their websites.

Will pre-qualifying affect my credit score?

No, pre-qualifying for a personal loan requires a soft inquiry, which doesn’t affect your credit score.

What do I need to pre-qualify for a personal loan?

To pre-qualify, you’ll need to submit information such as:

Loan purpose. Unsecured personal loans can be used for almost anything, and most lenders ask how you intend to use the money.   

Requested loan amount. Lenders typically offer personal loans from $1,000 to $50,000.

Preferred loan term. Personal loans usually have repayment terms from two to seven years.

Personal and financial information. This could include your name, email address, date of birth, address, income and Social Security number. 

If you’re unable to pre-qualify for a loan on your own, consider a co-signed or joint loan . Adding someone with a strong credit score and higher income can help you get approved and lower your rate. But keep in mind that a co-borrower or co-signer will be required to make loan payments if you fail to.

» MORE: Compare personal loans with co-signers

How long will it take to pre-qualify?

Pre-qualifying can take up to a few minutes after you submit your information. If you qualify for a loan offer, the lender will show you potential rates and terms to choose from.

The best personal loan is usually the most affordable one. Carefully consider things like APR, monthly payments and fees before you accept an offer.

APR: The annual percentage rate is the total cost of borrowing and includes your interest rate and all additional fees. The lower the APR, the lower the cost of the loan. 

Loan term: The loan term is how long you will be paying off the loan. A longer term can lower your monthly payments, but you’ll end up paying more in total interest than you would with a shorter-term loan.

Fees: Some lenders charge an origination fee , which is usually 1% to 10% of the loan amount. This fee increases your APR and a lender may take it upfront, effectively lowering your total loan amount.

Monthly payments: Check the monthly payment and make sure that you can comfortably afford the loan in your budget. 

Features and benefits: Identify features that are important to you, like flexible payment options, help with building your credit or direct payment to creditors if you’re consolidating debt.

» MORE: Personal loan features to compare

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Once you’ve chosen a loan with the rate, term and features that best fit your needs, it’s time to complete the application. Depending on the lender, you may apply for the loan online or in person .

What do I need for my loan application?

You’ll need to provide some or all of the following:

Proof of identity, including a government-issued ID or driver’s license.

Proof of address, including a recent utility bill or lease agreement.

Proof of employment status.

Income details, including bank statements or pay stubs, and proof of additional income like retirement, alimony or child support.

Social Security number if it wasn’t submitted during pre-qualification.

If you have a co-borrower on your personal loan application, they will need to submit similar documents to verify their identity, address and income details.

» MORE: Requirements for a personal loan

Submitting a formal loan application triggers a hard credit inquiry . This inquiry will shave up to five points off your score and remain on your credit report for two years.

If everything checks out, you could get same-day loan approval. If the lender requests additional documents, approval may take longer.

» MORE: How long does it take to get a personal loan?

After you are approved, carefully read and sign the loan agreement, which lays out the loan amount, APR and terms. The lender will disburse funds once the loan agreement has been signed.

If a lender does not approve your loan application, it is required to tell you the reason for the denial or to inform you of your right to seek out that information. Knowing why your application was declined can help you improve your chances of future loan approval.

How quickly you receive the money will likely depend on the type of lender you choose. Many online lenders can provide same- or next-day funding, while some banks and credit unions may take up to a week.

» MORE: Best lenders for quick cash

Once you receive funding, expect your first loan payment to be due within 30 days. If you’ve opted into automatic payments, the funds will be debited from the bank account you provided. Add your monthly payment amount to your budget to manage your debt repayment .

On a similar note...

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application letter for loan in bank

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How to Write a Loan Letter to Your Bank

How a Letter to the Bank Might Get Your Loan Approved

Why Write a Letter to Your Bank?

  • Letter for a Mortgage Application

Parts of a Loan Letter to a Bank

Sample outline for a loan letter.

Maskot / Getty Images 

Sometimes getting a loan is as easy as filling out an application. But as dollar amounts increase or the situation gets more complicated, lenders may want reassurance. They could even ask you to explain why your loan is a good idea.

If your bank wants more than the basic information that goes on an application, a letter to the bank could be in order. Some banks specifically request letters, while others might appreciate any extra steps you take to try and win the loan.

Learn how a loan letter can improve your application and what you should include in one.

When you write a loan letter to accompany your application, you have the chance to explain exactly why the lender should approve your request. It gives you an opportunity to:

  • Add commentary on topics that do not appear in a standard application
  • Explain your financial situation thoroughly
  • Lay out your plan for using and repaying the loan
  • Address any weak spots in your application or finances

Loan letters can be particularly beneficial for small businesses, which often need capital to grow but may not meet the strict requirements laid out by bank loan applications.

Like a cover letter for a job application, a loan letter is your chance to make your case on your terms.

Loan Letter for a Mortgage Application

If you are applying for a mortgage and your application has some weak spots or unexplained elements, writing a loan letter can increase your chances of approval or of receiving a lower interest rate.

You may need to write a letter to accompany your mortgage application if you have:

  • Multiple names on your credit report
  • Negative entries in your credit report
  • Gaps in employment
  • Atypical sources of incomes, such as a small business or freelance work
  • A recent change in jobs
  • Unusual activity in your bank account
  • Former delinquencies or bankruptcies

A loan letter gives you a chance to explain these things and address any concerns they may create for the bank.

When writing a letter to accompany your loan application, you need to both keep things brief and provide sufficient detail to make a convincing argument.

Even while keeping things concise, however, there is still specific information you will want to include.

Who and What

Tell the bank a little bit about yourself. If you're applying for a business loan , be sure to include information about the whole team, including the number of employees and how long you've been in business.

Highlight any strengths, designations, or credentials you've earned, as well as successes in your past. Don't go overboard: just pick just a few of the most impressive and relevant things that come to mind.

Lay out the specific amount that you are requesting for your loan. But sure to include the timeframe, such as $100,000 to be repaid over five years.

Explain exactly how you will use the funds. Your lender needs to know that the money will be put to good use.

For example, if you have been turning away business because you didn't previously have capacity, let your lender know about this unmet demand and your ability to satisfy it.

Demonstrate that you have done some market research and know how the loan will impact your business or personal finances .

Your lender needs to know how you’ll fund the repayment. Will you repay a personal loan from your salary or a business loan from increased revenues?

Be specific about how and why your earnings will increase as a result of the loan.

Your lender will notice if you have bad credit or insufficient income to repay the loan. When you address those issues directly, you signal that you're a serious borrower who understands what's at stake.

Be polite and formal in your language, addressing your letter to the loan officer or specialist that you are working with and ending with "Sincerely" or "Regards." Be sure to include your full legal name, address, and contact information.

Like a cover letter for a resumé, aim to keep your loan letter no longer than one page.

Sample for a Small Business Loan Letter

  • Overview : “ACME Enterprises specializes in… and has been in business since 2007...”
  • Reason : “I’m writing to request a loan for $100,000…”
  • Professional information : “ACME Enterprises was founded by Jane Doe, who has over 10 years of industry experience. The marketing team is led by John Jones, who previously helped grow XYZ Corporation…”
  • How funds will be used : “Our goal is to increase the number of daily service visits by purchasing an additional vehicle and related equipment. The total cost of these investments is…”
  • Benefit : “Currently we are unable to respond to 30% of requests for service, which results in customers calling our competitors or switching products. We will be able to profitably respond to all of those calls with the additional equipment…”
  • Basic financial information : “ACME Enterprises currently operates at a profit. Revenue from the previous year was $X, and net income was $Y…”
  • Concerns : Anything else that shows you’ve done your homework and deserve the loan.
  • Closing : “Please see the enclosed business plan, and feel free to contact me with any questions you have at…”

You will also need to submit a business plan with your loan application. Think of your introductory letter as an abbreviated version of the business plan.

Sample for a Mortgage Loan Letter

  • Personal information : “My spouse and I have recently submitted a mortgage application at XYZ Bank, our full names and contact information are...”
  • Basic financial information : “You will see in our application that our joint income for the last ten years has ranged from $X to $Y..."
  • Concerns : “I’m writing to explain my irregular income and why this will not impact my ability to repay the mortgage I have applied for…”
  • Explanation : "Since 2011, I have been self-employed. My business is ABC Enterprises, which provides freelance ABC services for clients such as... My business has made an annual income of no less than $XX for the last ten years, out of which my personal salary has increased from $X to $Y. In the enclosed business plan, you will see that due to These Market Factors I expect demand to continue increasing as I expand my services..."
  • Closing : “Thank you for your time and attention, and feel free to contact me with any questions you have at…”

The lending decision ultimately depends on the financials, such as your credit scores , income, collateral , and ability to repay the amount you borrow. But a loan letter can improve your chances by explaining your situation and the impact the loan will have on those factors.

How to Write a Loan Application Letter

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Table of Contents

Sometimes, taking out a loan can become inevitable. Whether dealing with piled-up medical bills or a financial emergency, it’s common to turn to fast and convenient borrowing options. According to statistics, advances and loans accounted for more than 60% of bank assets in the European Union in 2021. 

If you wish to take out a loan, you’ll have to fill out a loan application or request letter that details what you need the money for and how you’ll use it. The best way to appeal to a lender is by using a convincing tone and showcasing a clear plan for the money. Keep reading as we look at ways you can achieve this and ensure that your loan is granted successfully. 

What is a Loan Application Letter?

A loan application letter is a typed or handwritten letter provided to your lender, helping them decide whether to approve your loan request. This letter is written when the borrower is seeking financial assistance from a lender to pay off some bills or other expenses. 

When Do You Need One?

You might require a loan application letter in the following financing situations:

  • When you wish to borrow money from the SBA (Small Business Administration) since it recommends and encourages applicants to start their loan proposals with an executive summary or a loan application letter
  • When a borrower opts for a loan from a conventional bank lender and has to demonstrate that their business is financially viable and experiencing growth

In some situations, you aren’t required to write a loan application letter. These include scenarios like when a borrower is seeking equipment financing and said equipment serves as collateral, when someone requests a business line of credit with business bank statements or financial statements, and when a borrower seeks a term loan online using alternative lenders who want to go over your recent bank statements. 

Essential Loan Application Elements

There are specific guidelines you need to follow when writing a loan application:

1. Header and Greeting

Whether you’re filling out a loan application letter for a personal or business loan, it’s crucial that you start with a header and greeting. Include several sentences that outline the necessary, accurate details of your loan request in the header. If you’re opting for a business loan, then you need to include the following details:

  • Company name
  • Company phone number
  • Company address
  • Loan agent or lender’s name and title
  • Loan agent or lender’s contact details
  • A subject line stating the desired loan amount

Follow this by incorporating a greeting right below the header so that you introduce your application with a friendly tone. 

2. Loan Request Summary

You will have to provide your lender or loan agent with an overview of your loan request in this section. Ensure this section is concise, detailing only crucial information that’ll enable the lender to reach the letter’s body quickly. Entrepreneurs applying for a business loan should state why they are trustworthy borrowers, basic business details, the ideal loan amount, and the use of the loan. 

3. Basic Business Details

It would be best if you started by making a clear loan request which includes the amount you wish to borrow. When you write a few sentences about the workings of your business, they should include the following information:

  • The legal business name 
  • Any DBA used by the organization
  • The amount of time the business has been operating
  • The business structure
  • Number of employees
  • An overview of what the company does
  • Profits and annual revenue, if applicable

Once this is done, you can move on to the next step, which is explaining why you need a loan. Don’t also forget to outline how you plan to repay the owed amount if the lender grants the loan.

4. Loan Usage

Every lender’s goal is to minimize risk as much as possible, so don’t be surprised if they carefully scrutinize your application before deciding whether to accept or disapprove it. They will assess whether you can pay back the loan entirely on time. Make a solid outline of how you intend to use the loan and why granting you the funds is a wise investment. It’s essential to inform the lender that you have clear goals you will accomplish if the loan application is approved. 

5. Proof of How You’ll Pay Back the Loan

In order to show your company’s financial health, you’ll need to use figures from the latest balance sheet or income statement. These records are essential because they demonstrate that you can repay the loan. 

Additionally, you must include any additional business finances to prove you’re a low-risk investment. State down any existing debt and a schedule detailing how you’ll pay it back if you owe someone else money. Perhaps, you’re a new business, but profits are stable. In that case, ensure you mention this, as it proves your ability to repay the loan. 

Once you achieve this, you can add a particular cash flow prediction to give the lender an idea of your payback plan, including the principal and interest amount. 

6. Give Accurate Information

There’s no doubt that lending money is a risky investment. You can make your lender’s life easier by providing factual and correct details to ensure both parties agree with the terms of the deal. For example, include your accurate credit history. If you are dishonest during the loan application process, you will be considered a fraud, and there will be repercussions for your actions. 

Tips for Writing a Loan Application Letter

  • Before sending a loan letter request, check your business and personal credit scores and whether you need to take specific steps to improve them
  • Provide transparent, genuine, and concise explanations
  • Ensure all information is factual and relevant
  • Keep all your financial statements ready, such as business balance sheets, cash flow statements, PSL statements, etc
  • Submit every relevant credential with your loan application request letter
  • Include the date, time, method, and manner you’ll use to make your payment
  • Avoid writing a letter that is unnecessarily wordy and long
  • Follow the rules available online on writing formal letters, so you don’t use an informal tone while assembling your loan application letter
  • Whether including your business’s current assets, liabilities, or financial health, don’t jot down false information that can get you into legal trouble.

Loan Terms and Penalties

If you fail to pay your loan on time, cancellation fees or penalties may apply that depend on the number of days you’re overdue on the payment. For example, if you’ve looked into how to get a title loan with a lien , you know that your car will be used as collateral. In case you default on payment or provide false information, you are likely to lose ownership of the vehicle.

You should go through the loan terms and conditions as this will enable you to determine how many days your payments can be delayed, how much penalties are for late payments, and the amount you’ll be charged if you cancel your loan. Choosing a loan provider that offers the lowest and most amenable terms is recommended. 

Whatever reason you have for acquiring a loan, writing a solid loan application letter will improve your chances of obtaining the financial help you need. This application letter should be composed in a polite, convincing tone and include accurate information. You can do thorough research to pick a lender whose provided options align with your requirements. Consider beforehand how much money you need and apply for the relevant loan. 


Bank Loan Request Letter: How To Draft It Right!

Key takeaways.

  • Understanding Loan Request Letters: Gain insight into the purpose and structure of effective bank loan request letters.
  • Step-by-Step Guide: Follow a simple, structured approach to craft your loan request letter.
  • Template Included: Use the provided template to create a personalized loan request letter.
  • Real-Life Examples: Learn from actual experiences and examples to better understand what banks look for.

I am a seasoned professional with extensive experience in drafting various types of bank loan request letters. 

Over the years, I’ve learned the nuances that make a loan application stand out and have helped numerous clients secure funding through well-crafted letters. 

In this article, I’ll share my insights and provide a step-by-step guide, including a practical template, to help you write an effective bank loan request letter.

Understanding the Purpose of a Loan Request Letter

A bank loan request letter is your opportunity to present a compelling case to the lender. It’s not just about stating your need for funds but about showcasing your financial responsibility, business acumen, and planning skills.

Key Points:

  • First Impression: The letter is often the first interaction with the lender.
  • Information Conveyance: It conveys crucial information about your financial need and repayment plan.
  • Persuasion Tool: A well-written letter can significantly influence the lender’s decision.

Crafting Your Letter: A Step-by-Step Guide

1. gather necessary information.

  • Understand the loan requirements.
  • Prepare financial statements and business plans.

2. Start with a Professional Format

  • Use a formal business letter format.
  • Include your contact information and the date.

3. Introduce Yourself and Your Business

  • Briefly describe who you are and what your business does.
  • Highlight your experience and achievements.

4. State the Purpose of the Loan

  • Clearly define why you need the loan.
  • Explain how the loan will benefit your business.

5. Detail Your Financial Information

  • Include relevant financial statements.
  • Showcase your ability to repay the loan.

6. Conclude with a Call to Action

  • Politely request the bank to consider your loan application.
  • Indicate your availability for further discussions.

7. Proofread and Edit

  • Ensure there are no errors or omissions.
  • Maintain a professional tone throughout.

Real-Life Example: Success Story

In my experience, one of my clients successfully secured a significant loan by clearly outlining their business growth plan, demonstrating past successes, and providing a detailed repayment strategy. The key was clarity, precision, and a touch of personal storytelling.

Loan Request Letter Template

[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date]

[Lender’s Name] [Bank’s Name] [Bank’s Address] [City, State, Zip Code]

Dear [Lender’s Name],

I am writing to request a loan of [Amount] for [Purpose of the Loan]. As the owner of [Your Business Name], I have outlined a detailed plan for how these funds will be used and the projected growth they will facilitate.

[Insert a brief description of your business, its history, and any notable achievements.]

The loan will be utilized for [specific use of the loan funds]. This investment is crucial for [reason for the loan], and I have attached a detailed business plan and financial projections to illustrate the potential return on investment.

[Include information about your financial situation, any collateral you are offering, and your plan for repayment.]

I am committed to the success of [Your Business Name] and have a robust plan in place to ensure the timely repayment of the loan. I am available to discuss this application in further detail at your convenience.

Thank you for considering my request. I look forward to the opportunity to discuss this further.

[Your Signature (if sending a hard copy)] [Your Printed Name]

Writing a bank loan request letter is a critical step in securing funding. It’s about presenting a clear, concise, and compelling narrative that aligns your needs with the lender’s requirements. Remember, it’s not just about the numbers; it’s about the story behind them.

I’d love to hear your thoughts and experiences with loan request letters. Have you tried writing one? What challenges did you face? Share your stories in the comments below!

Frequently Asked Questions (FAQs)

A professional and inviting office setting with a person sitting at a desk, writing a letter

Q: What is the Most Important Aspect of a Bank Loan Request Letter?

Answer: The most crucial aspect of a bank loan request letter is clarity in communicating the purpose of the loan. 

In my experience, a well-defined objective, backed by a solid business plan and clear financial projections, significantly increases the chances of approval. It’s essential to concisely convey why you need the loan, how you plan to use it, and how you intend to repay it.

Q: How Detailed Should Financial Information Be in the Letter?

Answer: Financial details should be comprehensive yet succinct. From my experience, including key financial statements like income statements, balance sheets, and cash flow projections is vital. 

However, the trick is to balance detail with brevity. You want to provide enough information to assure the lender of your financial stability without overwhelming them with data.

Q: Is Personal Information Relevant in a Business Loan Request Letter?

Answer: Yes, to some extent. In my dealings, I’ve noticed that including a brief background about yourself, your experience, and your role in the business helps build a connection with the lender. 

It adds a personal touch and can boost your credibility, especially if your personal journey reflects your business acumen and commitment.

Q: How Formal Should the Tone of the Letter Be?

Answer: The tone should be formally professional. In all my letters, I maintain a balance between professionalism and approachability. You want to come across as respectful and serious about your request, yet accessible and personable. 

Avoid overly technical jargon or casual language; aim for clear, straightforward communication.

Q: Can Including a Repayment Plan Improve Chances of Loan Approval?

Answer: Absolutely. In my experience, outlining a clear and realistic repayment plan in your letter can significantly improve your chances of approval. 

It demonstrates responsibility and foresight, showing the lender that you’ve thought through the financial implications of the loan and have a plan to manage your debts effectively.

Q: Should I Mention Collateral in the Loan Request Letter?

Answer: Yes, mentioning collateral can be beneficial. In my practice, I’ve found that specifying collateral not only increases the credibility of your loan request but also provides the lender with added security, making them more inclined to approve your loan. However, be clear and precise about what you are offering as collateral.

Q: How Long Should a Bank Loan Request Letter Be?

Answer: Ideally, keep it to one page. Throughout my career, I’ve learned that brevity is key. Lenders are busy, and a concise, well-organized letter is more likely to be read and appreciated. 

Stick to the essentials and avoid unnecessary details. If more information is needed, the lender will ask for it.

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13+ Loan Application Letter Templates

Thinking of asking for a loan? Opening up a business and need the extra money to kick your idea into existence? Loan applications form are a standard piece of document that is significant when asking for a sample loan , and in this website, we provide you with ample of application letter templates for loan to choose from and use.

application letter for loan in bank

Business Loan Application Letter Template

business loan application letter template

Car Loan Application Letter Template

car loan application letter template

Personal Loan Application Letter Template

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Loan Forgiveness Application Letter Template

loan forgiveness application letter template

Calamity Loan Application Letter Template

calamity loan application letter template

Sample Loan Application Letter Template

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Loan Application Letter Templates

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What Is a Loan?

How to fill out a loan application, employee loan application letter template.

employee loan application letter template

Medical Loan Application Letter Template

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Basic Loan Application Letter Template

basic loan application letter template

Bank Loan Application Letter Template

bank loan application letter template

Tips before Filling for a Loan

  • Why do I need the loan for?
  • How will it help my business?
  • How will I spend it?
  • Who will manage the loan?
  • Start by filling up the basics, such as the type of business, the name, contact numbers, and the legal structures.
  • Typically after the application, there will an agreement concerning fees associated with the loan. These should be discussed personally with the lender.
  • Be sure to double-check that every question is filled. If anything is amiss, the application might end up with the underwriter and may be delayed.
  • Be sure to bring plenty of back up documents when meeting personally the lender. These documents include a resume, a credit report templates, past tax returns, the business plan templates, and balance sheets .
  • Do not be afraid to include too much information so that there would be an assurance of confidence from you lender that it is strictly business and is legitimate.

More in Letters

Loan requisition letter, loan application letter template, simple loan application letter template, loan application letter to employer template, loan application letter for school fees template, loan application letter to bank manager template, loan application letter for house rent template, loan application letter from employee template.

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Loan application letter

Loan Application Letter

Applying for the loan requires you to provide a lot of documentation. Some organizations ask you to fill out the loan application form, while in some cases, you have to write a loan application letter to the institute to apply for the loan.

The loan application letter allows you to add all the details that you are required to provide. The letter is written to the loan manager of the company, and he then decides whether he should accept the application or not. The letter should include the personal information of the applicant, and since it is a formal letter, it should be written to the point by avoiding unnecessary details. The lender should follow a standard format while writing the loan application letter. The loan manager should be told about the intended use of the money.

The first paragraph of the letter should state the reason for lending the money. It should be assured in the letter that you will not use this money for any illegal purpose. The date on which the applicant will return the borrowed money should be mentioned in the letter.

You should also include information about you in the letter that can make the reader feel that you are a trustworthy person. Here is a sample letter that can help you learn about the structure and format of the letter.

Loan application letter:

Dear [Recipient’s Name],

It is stated that I am writing this letter to request a loan from the finance office of your company because of some of my very peculiar and essential needs. My mother is seriously ill, and I must get her treated at the hospital, for which I need money. Please accept my loan application and sanction me $2000. I assure you that I will return you the loan from the deductions of my gross salary.

I will be highly grateful for this favor of yours.

I am looking forward to your reply.

[Your Name]

Preview and Details of Template

File:  Word  ( .doc ) 2003 + and  iPad  Size: 31 KB

More options

I am writing this letter to get a loan from your bank branch situated in New Jersey. Currently, I am working as a sales executive for ABC Organization and need a $10,000 loan. I am in utmost need of this amount as I have to meet the surgery expenses of my father. I have gone through all the requirements related to the loan process and have enclosed the necessary documents along with this email. Please let me know what other documents I need to send you, and you can call me at any time for further queries. I hope you will give a positive response to my request.

This application is a request to ask for a loan from your organization. I am Christiana Roseland, and I am currently running a bakery in New Jersey. I am planning to open a new branch according to the rising demand of people. For this purpose, I need $70,000/- and I will return the amount in installments. I have thoroughly read the rules and policies for the loan process and hopefully, I will return the entire amount within the given time period and the financial pronouncement has been affixed with this application. Waiting to get positive feedback from you.

This letter is a request for a loan application to construct a house. I am the managing director at ABC Company, and my monthly salary is not adequate to meet the construction expenses. I will return the due amount according to the company’s rules and policies and will not let you be disappointed. I contacted the admin office to find out the details, and Mr. Jackson has provided me with all the information. If you need additional information, you can ask me at any time. Thank you for taking my request into account.

Dear Madam, I, Darcy Louis, work in the security office of your company. I live in Valley Stream and travel two hours daily to come to the office. I do not have a personal vehicle, and sometimes it creates a lot of difficulties, and I often arrive late to the workplace. I want to apply for a loan because I have to buy a motorcycle. I need $10,000 in this regard. I have chosen a six-month installment plan, and 20% of my salary will be deducted each month. I request that you accept my loan application. I will be grateful to you. Thanking in anticipation.

Dear Sir, I am Dorothy John, and I live in Toronto. I am running a branch of ABC School. The strength of students is increasing with each session, and it is becoming difficult to adjust to the large number of students in a limited space. Therefore, I need to open a new branch adjacent to the current school and construct a new building, but I do not have enough money. I learned about your loan policy and want to apply for it. I have attached the needed documents along with the application. I am hoping to hear a quick response from you.

I am Julia Hughes, and I am writing this message to ask for a loan from your bank. I have an account in your Brooklyn branch, and my account number is [#]. I have a small business marketing in Brooklyn, and I intend to open a new branch in the Netherlands. Hence, it can be a source of ease for hundreds of people. The savings I have and the loan I am asking for will be of great help in expanding my business. Kindly send me an email detailing all the formalities for the loan process. I would like to ask you to send me a confirmation message so I may visit your branch on an immediate basis.

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Table of contents

What is an employee loan application letter, when you need  loan application letter, what to include in while writing this letter to organization, what are the terms and conditions for pre-writing considerations, 1. make header relevant, 2. mention the purpose or reason of the loan, 3. add basic information about the job, 4. assure borrowed repayment, 5. closing a personal loan application letter, loan application letter sample, personal loan application letter sample, wrapping up with bonus offer.


What HR & Employees Need to Know about Loan Application Letter?

  • personal loan application letter sample
  • 10 min read
  • October 5, 2023


Need of money? Whenever it is required, the only way to adopt is to advance or loan! However, most companies provide loans to employees, when needed. As an employee, if you’re worried about asking for a loan, you need a perfect loan application letter and process for that.

If you are one who wants a loan and, doesn’t know how to ask or how to draft the letter loan application request then superworks provides a letter format for loan application, which makes the process easy and hassle-free.

So, don’t stress about it. Use personal loan application letter templates to confidently approach your employer and request financial help whenever needed.

Here’s what you need to know about writing an employee loan application letter, including when you need it, what information you need before writing it, examples to look at, what format to use, and a template to help you write your own.

Note: You can download directly from here and edit as per your need.


A loan application letter for an employee is correspondence an employee writes and submits to the organization as part of the loan application process.

It basically includes,

Loan amount

Explanation of cause

Details about the repayment of the loan

Use of funds

Loan application letters are needed in two main situations:

1. You can consider the loan application letter to bank when you want to borrow money from a regular bank and want to show that your business is doing well.

2. You can consider the loan application letter to other organizations or your own organization for a personal loan.

In both cases, you need a perfect loan application letter to bank or organization. Whether you want loan from a third party or bank.

There are no strict rules while writing this HR document – an application letter for a loan. It’s up to the person who wants the loan to decide what to put in it while approaching. However, a usual loan application has these things:

Contact number

The reason why you need a loan

How much amount you want?

What you will use the money for?

Work history

The salary you are earning right now

Names of people who can say good things about you

Info about your job or business

A list of papers that prove what you said.

Terms And Conditions

Before approaching for the loan, you need to be ready! There are some terms and conditions, pre pre-writing considerations regarding loan application.

Before you start, do some homework about the loan you’re getting the loan from.

Consider multiple reasons why you are a good fit for a loan.

Also, think about what you want to tell them about your project.

Write down any questions you might have during the loan application process.

Check your credit score and know your rights as you are borrowing money.

Once you’ve done all that, look over everything you’ve written and then collect the papers regarding that. Make sure it makes sense to someone who hasn’t seen your notes or looked at your finances. If you’re applying for a big loan, you’ll usually need to write  loan application letter for that you need to collect sample letter for loan application from company like Superworks . But remember, just the letter alone might not be enough to get you the loan unless you have good credit so check it as well.

Remember these 2 things if you need the loan:

1. Check your personal and business credit scores for loans.

2. Get your financial records together, like your profit and loss statement. However, if you are applying to your company then consider your salary statement.

Read more: An Ultimate Guide Of Easy-To-Use Joining Letter Format For Employee


Want to take a step towards the HR revolution? – Superworks is here!

Access a library of HR letters instantly. Take control of your HR tasks with just one click – download for free! These HR letters are designed to simplify your HR operations.

Transform the way you manage HR tasks within your organization. Take the first step towards a more streamlined HR process.


How To Write Loan Application Letter?

How-To-Write-A-Loan-Application-Letter (1)

Knowing how to write a letter asking for a loan is important, as it helps to borrow money from the employer via HR. Whether you want from the organization or from outside, you can get the loan application letter sample from a good HR software provider and use it for your process.

Writing a loan request letter might seem a bit scary, but download it free or check these steps to write it.

The header is very important before writing this letter to your company for a personal loan, you should include these details.

You need to add the date, month, day, and year when you’re writing the loan application letter. Make sure the date is correct.

Your name is necessary of course. Add your full name, contact info & address . You need to include a mailing address with a work email, a zip code, and your phone number.

Mention the name of the organization or person, Usually, it is someone from the finance department, or higher authority, or a bank.

After you’ve mentioned everything on the header, you need to add the purpose of the loan. So for that, you need to make it clear and short how you’ll spend the money you want from the loan.

Use a tone like convincing when you explain why this is a smart move for your business or project.

To write a good personal loan application letter that’s clear, helpful, and convincing, start with a header and a friendly greeting.

Include these things:

Your address

The name of the person asking for a loan

How to contact you

A subject line with how much money you want

After you’ve talked about what you’ll do with the loan money, now give them a surety about the repayment. Use facts and good reasons to explain this. You can also mention the history of making smart money decisions to prove you’re responsible with your finances.

Explain your plan to repay the loan: You need to describe shortly what is your business or job and how you repay this. Include a timeline and back it up with things in your salary.

Show the proof of your money: Sometimes, you’ll need to give proof of your earnings. You need to submit evidence regarding your salary, bank statements, tax papers, etc. Things like bank statements or tax papers can help you prove you have other sources of money.

Make yourself seem trustworthy: To get a loan, you need the lender to trust you. You can do this by telling them about your job, showing some ID, and explaining why they can trust you.

It’s important to close the personal loan application letter with wise and grateful words. Be polite and professional to increase your chances of approval. You might even be able to talk about getting a lower interest rate in your loan request letter.

Loan-Application-Letter-Sample (1) (1)

Every company should take care of their employees as they provide a personal loan to them. In that case, there are several documents needed and an application letter is one of them. This problem can easily solved by a good HR management tools provider if you don’t want to make any application letter and all. You can directly approach the loan from one of the features of the HR & payroll software . We are here to solve all HR-related problems, so contact our expert to know more!

The main goal of sending a loan application letter to an employer is to formally request financial help for your required things. It serves to provide a clear and professional explanation of why the loan is needed & when you repay it.

To structure a loan application letter for an employer, begin with a polite greeting and introduction explaining the purpose of the letter. The body of the letter should detail the reason for the loan, specify the desired loan amount, and propose a repayment plan.

You can download this letter from the Superworks website, by getting the HR toolkit access free. You just need to fill out the form and get the document for free.

Written By :


Alpesh Vaghasiya

The founder & CEO of Superworks, I'm on a mission to help small and medium-sized companies to grow to the next level of accomplishments. With a distinctive knowledge of authentic strategies and team-leading skills, my mission has always been to grow businesses digitally. The core mission of Superworks is Connecting people, Optimizing the process, Enhancing performance.

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How To Write A Letter Of Application For A Loan

application letter for loan in bank


Are you asking “how do I write a letter of loan request for a company?” or wondering “how to write an application letter for a loan in a microfinance bank?” Search no further, this guide is specially made for you to get the financial help you need, using our free loan application letter sample.

When requesting a loan from a bank, lender, or other financial institution, a letter of application is frequently required. You must include this letter in your loan application. If you describe your company’s background and current financial situation, as well as how you intend to use the loan funds and how you will repay them, the bank is more likely to approve your loan application.

Let’s take a look at the components of a loan application letter, explain how to write one, and walk you through writing a sample letter of your own. A formal letter of application for a loan is delivered to the lender at the time the loan is requested. Why you require the loan should be stated in the letter, as how you intend to spend the funds, and how you intend to pay back the loan.

A crucial step in the loan application process is the application letter. The lender will have the opportunity to find out more about you and how you’re doing financially. You can increase your chances of having a loan approved by writing a strong application letter.

Tips for creating a strong loan application letter:

  • Be succinct and clear. 

Lenders shouldn’t have to read through a lot of extraneous details in order to understand your loan request.

  • Be precise. 

Describe your reasons for needing the loan, the amount you require, and your intended use for the funds.

  • Be sensible. 

Asking for more money than you need is improper. Tailoring your cloth according to your size is one proverb that should be strictly applied when applying for a loan.

  • Be truthful. 

Don’t misrepresent anything or make any false claims and before sending your letter, carefully proofread it.

Here is an example of an application letter for a loan:

[Your Name]

[Your Address]

[City, State ZIP Code]

[Your Phone Number]

[Your Email Address]

To Whom It May Concern

I am writing to apply for a loan in the amount of #50,000 from your bank. I have been a customer of your bank for 5 years and have always been satisfied with your services.

I am requesting this loan to consolidate my credit card debt. I have been carrying a balance on my credit cards for the past few years and I am now paying over 20% interest on my debt. I am hoping to refinance my debt with a lower interest rate and save money on my monthly payments.

I am currently employed as a software engineer at XYZ. I have been with this company for 3 years and have a good performance record.  I have a solid credit history and am a member of the National Institute of Finance Management.

A copy of my most recent pay stub, a credit report, and a letter from my employer attesting to my employment and salary are all enclosed. I would appreciate the chance to go over my loan application with you in more detail. I appreciate your consideration and time.

[Your Name ]

The first step in obtaining the financial assistance you require is to prepare an efficient and extensively reported loan proposal, which calls for knowledge of how to write a loan application letter. While an enterprise loan requires a strong credit history and receivables, personal loan approval is primarily based on your credit score and prudent financial planning. 

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Request Letter to Bank Manager for Loan (6+ Samples)

Do you have any bank account that has been active for a long time and your financial position is also not correct at your present time? If yes, and you need a lot of money for some reason, the reason could be anything like education, business, health, wedding expenses, debt consolidation, etc. So there is one solution that the majority of people adopt to apply for a loan.

Are you also applying for a loan? If yes, and you are looking for the format to write a letter to the bank manager for a loan then you should take a sigh of relief because in this post I will provide samples of letters for requesting a bank loan from the bank manager.

Below you can read the given samples and you can use the one you like for your letter. Just pay attention that whatever important details are in the sample letter, you should replace them according to your information so that there is no inaccuracy in your letter.

To submit your letter, you need to visit your respective bank branch with all the documents required for verification and approval of your loan. Without a single visit to your bank branch, there is no chance that you will get a loan approved according to your money amount. So, you have to visit your bank branch.

1. Personal Loan Request Letter to Bank Manager

2. letter to bank manager for loan, 3. application for bank loan for business, 4. loan application letter to bank manager, 5. application for applying loan in bank, 6. requesting letter to bank manager for personal loan, 7. application letter for loan from bank.

From, ABC Near ______, Sector 11, New Delhi.

To, The Branch Manager, Union Bank of India, E Block XYZ Road, New Delhi.

Date:- Date/Month/Year

Subject:- Request to bank manager for a personal loan.

Respected Sir/Madam, My self Prabhas Sahu and I live in “your address”. I have been a savings account holder in your branch for the last 6 years and my account number is ************. I want a personal loan of _____ amount from your bank because I borrowed money from a person and now I want to repay it as soon as possible because he is asking me for money.

I have done some huge amounts of transactions in my bank account over the years. Therefore, I hope you will consider my request and try your best to approve my loan at the earliest.

Thank you in Advance, Yours Obediently Signature Contact No:- XXXXXXXXXX

From, ABC Near ______, Sector 12, Jaipur.

To, The Branch Manager, UCO Bank, F Block XYZ Road, Jaipur.

Subject:- Letter for the loan request to a bank manager.

Dear Sir/Madam, I am a government employee in the Department of Directorate of Information and Public Relations, Jaipur and I am also a current account holder in your branch. I need a loan of an amount ______. You can see in my account how much the average balance is maintained in my account and my salary is also _____ which is credited to this account. My account number is ************.

Therefore, I request you to please understand my problem and try to approve my loan request as soon as possible.

Thanking You, Yours Faithfully Signature Contact No:- XXXXXXXXXX

From, ABC Near ______, Sector 13, Mumbai.

To, The Branch Manager, State Bank of India, G Block XYZ Road, Mumbai.

Subject:- Request letter to bank manager for a loan.

Respected Sir/Madam, I am maintaining a current account in your branch which account holder’s name is _______ and the account number is ************. I am doing a good amount of transactions every month in my account and I also maintain an average balance above Rs. _____. The reason for telling you all this is that I need a business loan of amount _______ from your bank.

Therefore I request you to please accept my concern and try your best to approve my loan. If you do this for me I will be forever grateful to you.

Thanking You, Yours Truly Signature Contact No:- XXXXXXXXXX

From, ABC Near ______, Sector 14, Kolkata.

To, The Branch Manager, Punjab National Bank, H Block XYZ Road, Kolkata.

Subject:- Loan application letter to bank manager for a loan.

Dear Sir/Madam, With all due respect, I want to inform you that my name is “mention your name” and I need a personal loan of amount _____ from your bank. I need this loan because my son’s health is not good and my current financial condition is also not good. You can see that my account has a good number of transactions taking care of it every month. My account number is ************.

So, I urge you to please understand my situation and try to approve my loan request as soon as possible. My blessings are always with you.

Thank you in Advance, Your Trusty Signature Contact No:- XXXXXXXXXX

From, ABC Near ______, Sector 15, Bengaluru.

To, The Branch Manager, Punjab and Sind Bank, J Block XYZ Road, Bengaluru.

Subject:- Application letter for a bank loan to the bank manager.

Respected Sir/Madam, Due to the Coronavirus and also due to the lockdown, my business savings have been completely exhausted. Now I need money to bounce back business. So, I need a business loan from your bank of Rs. ______. My account number is ************. If you need a guarantor then one of my brothers is ready to be my guarantor he is a government employee in the central government.

I hope you will approve my loan request as soon as possible.

Thanking You, Yours Sincerely Signature Contact No:- XXXXXXXXXX

From, ABC Near ______, Sector 16, Chennai.

To, The Branch Manager, Indian Overseas Bank, K Block XYZ Road, Chennai.

Subject:- Requesting to bank manager for a personal loan.

Hello Sir/Madam, I am a Village Development Officer of the district _______ and I belong to “address”. Currently, I live at “your current address”. My bank account has been open in your branch for the last 5 years and I am also doing a good amount of transactions in this account. My account number is ***********. My purpose for writing this letter is that I want a small personal loan of the amount _____. I also provide all the documents that you need to release a personal loan for me.

Therefore, I hope you will approve my request as soon as possible.

Thanking You, Regards Signature Contact No:- XXXXXXXXXX

From, ABC Near ______, Sector 17, Hyderabad.

To, The Branch Manager, Bank of India, L Block XYZ Road, Hyderabad.

Subject:- Application letter for a loan of amount ______.

Respected Sir/Madam, My name is “mention your name” and I am a worker having a monthly salary _____. I need a Rs _____ loan from your bank. My savings bank account number is ************. I have enclosed all the documents that you need for my loan approval.

Therefore, kindly approve my loan because I need urgent money.

Frequently Asked Questions (FAQs)

How do i write a letter to my bank manager for a loan.

First, write the sender’s name and address and after that write the date and subject. By giving respect write the body of the letter describing all the details. Lastly, close the letter by saying thank you.

How do I write a bank loan request?

During the loan request process, you have to write a letter to your bank manager to get a loan and also describe the reason behind getting the loan.

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Sample Letters


Writing a Good Loan Application Letter (with Sample)

Use this sample loan application letter as a template for your formal application letter. ​ ​ last updated on june 22, 2023.

  • The names and job details of the management team including the legal structure of the business, senior management and qualifications
  • A clear understanding of the current marketplace including how the business attracts customers and their daily or monthly sales numbers
  • Proof of substantial experience in the industry such as years the business has been functioning and how the profits have increased each year
  • Writing a Business Loan Request Letter (with Sample)
  • Writing a Salary Loan Request Letter (with Sample)
  • Writing a Personal Loan Letter (with Sample Letter)
  • Writing a Business Line of Credit Request Letter (with Sample) ​  ​

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Loan Application Letter Format to Bank

  • Reference Letter
  • Application Letter
  • Loan Application Letter

The letter has to be short and concise. All the details have to be clearly mentioned in the letter. The letter has to be addressed to the authority that will be sanctioning your loan.

Loan Application Letter Sample

Laura Baker 100 North Tryon Street, Charlotte, NC, United States (704) 386-4771

Daniel Martin Manager- Credit Division Yes Bank 800 South Mint Street, Charlotte, NC, United States (704) 358-7407

Dear Mr. Martin:

As per our telephonic conversation, I am writing an application for the loan that I propose to take from your bank. I have been a loyal customer of your bank for last twenty years. I am planning to buy an apartment and I require a home loan from your bank. I have gone through terms and conditions for the home loan. I accept them all.

I require loan of $ 5000 from your bank. This amount will help me in buying as well as furnishing my apartment. I f you can sanction the loan, I will be obliged and will be in a position of buying the apartment that I have chosen. With your financial assistance, I can build my own home. I will be paying all the installments on time. I have a good credit history, so getting a loan will not be a problem as there are no issues of debts. I am enclosing photocopies of my salary slips, social security number card, house agreement and plan of the apartment with this letter for your perusal.

If you have any queries, you can contact me on phone at (704) 386-4771 or email me at [email protected]. I am waiting for a positive reply which will help me in fulfilling my wish of owning an apartment.

Yours sincerely

Laura Baker

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FACT SHEET: President   Biden Cancels Student Debt for more than 150,000 Student Loan Borrowers Ahead of   Schedule

Today, President Biden announced the approval of $1.2 billion in student debt cancellation for almost 153,000 borrowers currently enrolled in the Saving on a Valuable Education (SAVE) repayment plan. The Biden-Harris Administration has now approved nearly $138 billion in student debt cancellation for almost 3.9 million borrowers through more than two dozen executive actions. The borrowers receiving relief are the first to benefit from a SAVE plan policy that provides debt forgiveness to borrowers who have been in repayment after as little as 10 years and took out $12,000 or less in student loans. Originally planned for July, the Biden-Harris Administration implemented this provision of SAVE and is providing relief to borrowers nearly six months ahead of schedule.

From Day One of his Administration, President Biden vowed to fix the student loan system and make sure higher education is a pathway to the middle class – not a barrier to opportunity. Already, the President has cancelled more student debt than any President in history – delivering lifechanging relief to students and families – and has created the most affordable student loan repayment plan ever: the SAVE plan. While Republicans in Congress and their allies try to block President Biden every step of the way, the Biden-Harris Administration continues to cancel student debt for millions of borrowers, and is leaving no stone unturned in the fight to give more borrowers breathing room on their student loans.

Thanks to the Biden-Harris Administration’s SAVE plan, starting today, the Administration will be cancelling debt for borrowers who are enrolled in the SAVE plan, have been in repayment for at least 10 years and took out $12,000 or less in loans for college. For every additional $1,000 a borrower initially borrowed, they will receive relief after an additional year of payments. For example, a borrower enrolled in SAVE who took out $14,000 or less in federal loans to earn an associate’s degree in biotechnology would receive full debt relief starting this week if they have been in repayment for 12 years. The U.S. Department of Education (Department) identified nearly 153,000 borrowers who are enrolled in SAVE plan who will have their debt cancelled starting this week, and those borrowers will receive an email today from President Biden informing them of their imminent relief. Next week, the Department of Education will also be reaching out directly to borrowers who are eligible for early relief but not currently enrolled in the SAVE Plan to encourage them to enroll as soon as possible. This shortened time to forgiveness will particularly help community college and other borrowers with smaller loans and put many on track to being free of student debt faster than ever before. Under the Biden-Harris Administration’s SAVE plan, 85 percent of future community college borrowers will be debt free within 10 years. The Department will continue to regularly identify and discharge other borrowers eligible for relief under this provision on SAVE. Over four million borrowers have a $0 monthly payment under the SAVE Plan Last year, President Biden launched the SAVE plan – the most affordable repayment plan ever. Under the SAVE plan, monthly payments are based on a borrower’s income and family size, not their loan balance. The SAVE plan ensures that if borrowers are making their monthly payments, their balances cannot grow because of unpaid interest. And, starting in July, undergraduate loan payments will be cut in half, capping a borrower’s loan payment at 5% of their discretionary income. Already, 7.5 million borrowers are enrolled in the SAVE Plan, and 4.3 million borrowers have a $0 monthly payment.  

Today, the White House Council of Economic Advisers released an issue brief highlighting how low and middle-income borrowers enrolled in SAVE could see significant saving in terms of interest saved over time and principal forgiven as a result of SAVE’s early forgiveness provisions.

application letter for loan in bank

President Biden’s Administration has approved student debt relief for nearly 3.9 million Americans through various actions

Today’s announcement builds on the Biden-Harris Administration’s track record of taking historic action to cancel student debt for millions of borrowers. Since taking office, the Biden-Harris Administration has approved debt cancellation for nearly 3.9 million Americans, totaling almost $138 billion in debt relief through various actions. This relief has given borrowers critical breathing room in their daily lives, allowing them to afford other expenses, buy homes, start businesses, or pursue dreams they had to put on hold because of the burden of student loan debt. President Biden remains committed to providing debt relief to as many borrowers as possible, and won’t stop fighting to deliver relief to more Americans.

The Biden-Harris Administration has also taken historic steps to improve the student loan program and make higher education more affordable for more Americans, including:

  • Achieving the largest increases in Pell Grants in over a decade to help families who earn less than $60,000 a year achieve their higher-education goals.
  • Fixing the Public Service Loan Forgiveness program so that borrowers who go into public service get the debt relief they’re entitled to under the law. Before President Biden took office, only 7,000 people ever received debt relief through PSLF. After fixing the program, the Biden-Harris Administration has now cancelled student loan debt for nearly 800,000 public service workers.
  • Cancelling student loan debt for more than 930,000 borrowers who have been in repayment for over 20 years but never got the relief they earned because of administrative failures with Income-Driven Repayment Plans.
  • Pursuing an alternative path to deliver student debt relief to as many borrowers as possible in the wake of the Supreme Court’s decision striking down the Administration’s original debt relief plan. Last week, the Department of Education released proposed regulatory text to cancel student debt for borrowers who are experiencing hardship paying back their student loans, and late last year released proposals to cancel student debt for borrowers who: owe more than they borrowed, first entered repayment 20 or 25 years ago, attended low quality programs, and who would be eligible for loan forgiveness through income-driven repayment programs like SAVE but have not applied.
  • Holding colleges accountable for leaving students with unaffordable debts.

It’s easy to enroll in SAVE. Borrowers should go to to start saving.  

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5 simple ways to get the best home equity loan rate right now

By Angelica Leicht

Edited By Matt Richardson

February 15, 2024 / 2:39 PM EST / CBS News

Cost of Housing

When it comes to financing major expenses or paying for home improvement projects , homeowners have a unique borrowing tool to consider: a  home equity loan . With a home equity loan, you're borrowing money from the equity you've built in your home — and the average homeowner has a lot of equity to tap into right now. The average homeowner had about $200,000 in tappable home equity as of late 2023.

And, because home equity loans are secured by collateral — your home — you can typically borrow money at a much lower rate than you'd get with another type of lending product, like a credit card or a personal loan. In turn, a home equity loan can be a powerful, and affordable, tool when you need to borrow money. 

As with any type of lending product, though, it's important to secure the best home equity loan rate possible, as even a fraction of a percent can make a significant difference in the amount of interest you pay over the life of your loan. The good news is that there are a few simple ways you can get the most favorable home equity loan rates right now.

Explore your top home equity loan options here .

If you want to borrow against your home equity at the best rate possible, the following strategies could come in handy:

Understand your credit score

Your credit score plays a pivotal role in determining the interest rates you'll be offered on your home equity loan — or any other lending product you consider. So before applying for a home equity loan, obtain a copy of your credit report from major credit bureaus. Scrutinize the report for any errors and take steps to rectify inaccuracies if you find them. 

While there are numerous factors considered by lenders during the application process, a higher credit score often translates to being offered lower interest rates . So, focus on improving your creditworthiness by paying bills on time, reducing outstanding debts and maintaining a healthy credit utilization ratio.

Find out the home equity loan rates you qualify for here .

Shop around and negotiate

Not all lenders will offer the same home equity loan rates and shopping around is crucial for securing the best deal right now. One good place to start is by approaching traditional banks, credit unions and online lenders to find the different rates you qualify for. 

As you obtain quotes from multiple sources, don't be afraid to negotiate . Lenders may be willing to adjust their rates to win your business — especially if you have a lower rate offer from another lender. But as you compare lenders, be sure to consider not only the interest rates but also the fees associated with the home equity loan , as these can significantly impact the overall cost.

Strengthen your loan application

Presenting a strong loan application can also enhance your chances of securing the best home equity loan rates . During the borrowing process, lenders assess various factors , including your credit score, income, employment stability and debt-to-income ratio. 

So, it can benefit you to boost your application by providing thorough documentation of your financial standing, employment history and a clear outline of how you intend to use the funds. Demonstrating a strong financial profile makes you a more attractive borrower, potentially leading to better loan terms — including better rates on your home equity loan.

Optimize your loan-to-value ratio

The loan-to-value (LTV) ratio for your home is a crucial factor that influences the home equity loan rates you're offered. The LTV is calculated by dividing the loan amount by the appraised value of your home. Ultimately, the lower the LTV, the more favorable your interest rates are likely to be. 

To optimize your LTV ratio, consider paying down your mortgage if possible or increasing your home's appraised value through renovations. A lower LTV not only improves your eligibility for a home equity loan but can also result in being offered lower interest rates.

Consider a variable-rate option

While home equity loans are typically fixed-rate loans, offering payment and rate stability, there is a possibility of interest rates dropping later this year. So, it could make more sense to consider a  home equity line of credit (HELOC) in addition to a home equity loan. 

Opting for a HELOC means you're getting a  variable-rate loan . With a variable rate, you typically start at a lower interest rate than you would with a fixed-rate loan. This type of loan may also provide flexibility and potential cost savings if rates decrease. 

Note, though, that variable-rate loans are subject to market fluctuations, which could be advantageous if you anticipate a favorable interest rate environment in the coming months. But if rates increase, the rate on your loan would also go up. So while this alternative is worth considering, make sure you do your research beforehand and fully understand the potential risks.

The bottom line

Securing the best home equity loan rates requires a combination of financial preparedness, research and strategic decision-making. By understanding your credit score, shopping around for lenders, strengthening your loan application, optimizing your loan-to-value ratio and considering a variable-rate option, you can increase your chances of obtaining a home equity loan with favorable terms. As you weigh your options, though, just be sure to take the time to evaluate your specific needs and financial goals, ensuring that the home equity loan you choose aligns with your overall financial strategy. 

Angelica Leicht is senior editor for CBS' Moneywatch: Managing Your Money, where she writes and edits articles on a range of personal finance topics. Angelica previously held editing roles at The Simple Dollar, Interest, HousingWire and other financial publications.

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Biden administration cancels $1.2B in student loans with new repayment plan

President Biden on Wednesday began emailing more than 150,000 student loan borrowers enrolled in his signature repayment plan that their debts — $1.2 billion in total — have been canceled, the latest effort by the administration to tout its success in providing debt relief as the campaign season heats up.

The president’s debt relief policies have been met with a mix of praise and frustration. Activists have applauded his targeted approach; the administration has forgiven about $138 billion in student loans for 3.9 million people, largely using existing relief programs. But they also continue to implore Biden to do more, despite the crushing defeat of a more sweeping loan forgiveness plan before the Supreme Court. Meanwhile, conservatives remain ardent critics of debt policies they say come at the expense of other taxpayers, many of whom never attended college.

The latest debt relief targets people enrolled in the Saving on a Valuable Education (Save) plan, and makes good on the administration’s promise to accelerate forgiveness for people who borrowed lower amounts of money to attend college. Rather than wait 20 to 25 years for relief through other income-driven repayment plans, enrollees in the Save plan who borrowed less than $12,000 can have their debt wiped clean after 10 years of payments. The Education Department had originally planned to begin forgiveness in July but started identifying eligible borrowers this month.

“From day one of my Administration, I vowed to fix student loan programs so higher education can be a ticket to the middle class — not a barrier to opportunity,” Biden wrote in the email. He also described other efforts taken by the administration to help students and borrowers, including expanding Pell grants, and promised to “never stop fighting for hard-working American families.”

The email effort recalls then-President Donald Trump’s 2020 push to send letters to taxpayers alerting them to stimulus checks his administration processed by the millions during the early months of the coronavirus pandemic.

Ahead of his own reelection bid, Biden has privately expressed frustration that his administration has not received enough credit from voters for its actions to help consumers and bolster the economy. Some of Biden’s allies, including Rep. James E. Clyburn (D-S.C.), have warned that the president could face electoral problems if he does not convince voters that he has kept his promises on a wide range of issues. Clyburn has specifically raised the president’s student loan relief pledge as one area where a significant gap exists between what Biden has accomplished and what voters believe he has done.

Biden also has been wary of the blowback student debt relief efforts have received from people who did not go to college. During a speech at a library in Culver City, Calif., on Wednesday, he made the case that his loan forgiveness “helps everyone” by strengthening the economy.

“When people have student debt relief, they buy homes, they start businesses, they contribute, they engage in the community in ways they weren’t able to before,” he said. “And that actually grows the economy.”

Under Biden, the Education Department has focused on lowering the debt burden of those who borrowed money for college, by expanding or easing rules for existing relief programs. It is also crafting another plan to offer relief to more borrowers after a loan forgiveness plan that Biden introduced in 2022 was struck down by the Supreme Court last year.

After the court’s decision, the Biden administration finalized the Save plan.

So far, about 7.5 million people of the more than 40 million with federal student loan debt are enrolled in Save. The plan pegs monthly student loan payments to earnings and family size, just like other income-driven plans. One big difference is that the new plan increases the amount of income protected from the calculation of debt payments from 150 percent to 225 percent of the federal poverty line.

That means a single borrower earning less than $15 an hour will be spared from payments. Those earning more would save an estimated $1,000 a year, according to the department. Even if borrowers’ monthly payment is $0, they will still get credit toward forgiveness. According to the Education Department, 4.3 million people enrolled in the plan have a $0 monthly payment.

What to know about Biden’s student loan income-driven repayment plan

The department began introducing some features of the Save plan last year. This summer, the federal agency will start capping payments for undergraduate loans at 5 percent — down from 10 percent — of income above the 225 percent federal poverty threshold. Borrowers with debt from undergraduate and graduate studies will pay a weighted average between 5 and 10 percent toward their debts.

The faster path to cancellation could have a meaningful impact on people who attended community college, dropped out of college or are at risk of defaulting. The Education Department estimates that 85 percent of future community college borrowers, who typically take out small loans, could be debt-free within 10 years under the Save plan.

“Every borrower that the Biden administration delivers full student debt relief for is a win,” Braxton Brewington, spokesperson for the Debt Collective, said in a statement. “Despite the Supreme Court’s ruling last year, Biden continues to prove he has tools at his disposal to enact relief for borrowers crushed by student debt — but there’s no reason to stop here. Nearly four million Americans have received relief, but forty million more are desperately waiting.”

To create Save, the administration updated an existing loan repayment program that was long authorized by Congress through the Higher Education Act, giving it firmer legal ground than the debt relief program struck down by the Supreme Court.

But conservative groups and Republican lawmakers question the president’s authority to wipe away billions of dollars in money owed to the federal government.

“His drip, drip, drip student loan forgiveness workarounds are lawless and make a mockery of the separation of powers,” Elaine Parker, president of the Job Creators Network Foundation, said in a statement. The small-business advocacy group filed one of the suits against Biden’s 2022 plan to forgive up to $20,000 in loans for some borrowers.

Parker said the administration’s actions “set a dangerous precedent that consolidates more power in the executive branch. College students themselves are the biggest losers of Biden’s college debt forgiveness workarounds because colleges are given a blank check to continue overcharging and saddling them with debt.”

Borrowers who receive emails notifying them that they will receive debt relief through the Save program do not need to take any further action to receive loan forgiveness. Student loan servicers, the intermediaries that collect payments on the federal government’s behalf, will begin discharging the debt in coming days, according to the department. Next week, the agency plans to directly contact borrowers who would be eligible for early cancellation under the Save plan but are not enrolled.

After his remarks, Biden gave a succinct answer when asked whether he was worried that his latest debt relief program would be struck down in court.

“I don’t have a worry at all,” he said.

Student loans

The impact of student loan repayments : A technical loophole is helping some parents lower their student loan payments . The ending of the student loan payment pause has left some borrowers anxious and confused .

What are my student loan repayment options? Personal finance columnist Michelle Singletary shares what to focus on as student loan payments resume and why she says President Biden’s new SAVE student loan income-driven plan is a game changer .

What’s next for student loan debt relief? Biden is forging ahead on a new path to narrower student loan relief after the Supreme Court rejected his earlier loan forgiveness plan . Meanwhile, conservative groups sued to block Biden’s effort to provide $39 billion in forgiveness to longtime borrowers.

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  22. Biden-Harris Administration Approves $1.2 Billion in Loan Forgiveness

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  24. Nearly 153,000 people will be notified that their student loan ...

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  25. Biden will email 153,000 student loan borrowers: I'm ...

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