[segmondy]

Loans are not given out freely like that, easiest loan you can get is credit card and loans from loan sharks. But a bank loan? You have to explain for what, and have a collateral.

[imgabe]

I guess this depends on your credit, but I was able to take out a personal loan from my bank with a few clicks on their website, no big deal at all.

[fjdlwlv]

I other words, banks know that people can't pay back credit card debt.