[sidewndr46]

I don't know where you live, but at least in North America the requirements for a loan are laughably low. I once was interested in getting a vehicle loan on a new vehicle purchase. I gave the financial guy all my information and he showed me the terms. I agreed to them and bought the vehicle.

I have no idea how, but he issued me a loan on that vehicle using incorrect information for basically everything except my address. Name, birthday, etc. did not match. Somehow the system had a completely different set of records. When I called the lender about it, they didn't even seem surprised. Just took a phone call to get everything corrected and a new set of paperwork mailed out to me.