{"id":12773,"date":"2020-06-25T20:13:03","date_gmt":"2020-06-26T03:13:03","guid":{"rendered":"https:\/\/financer.com\/?p=12773"},"modified":"2023-12-26T08:11:34","modified_gmt":"2023-12-26T16:11:34","slug":"get-a-personal-loan","status":"publish","type":"how_to","link":"https:\/\/financer.com\/loans\/articles\/get-a-personal-loan\/","title":{"rendered":"How To Improve Your Chance To Get Approved for a Loan"},"content":{"rendered":"\n<p><strong>How should you go about getting a loan? Here&#8217;s a &#8220;how to&#8221; guide on increasing your chances of getting a personal loan approved.<\/strong><\/p>\n\n\n\n<p>Getting denied by a lender when applying for a loan can be really damaging to your credit score. If your <a href=\"https:\/\/financer.com\/how-to\/get-a-personal-loan-for-bad-credit\/\" data-type=\"how_to\" data-id=\"20528\">credit score<\/a> has suffered, getting approved for a new personal loan can be even more difficult than before.<\/p>\n\n\n\n<p>We have put together a list of ways to improve your chances of getting a personal loan approved, especially if your <a href=\"https:\/\/financer.com\/company\/myfico\/\" data-type=\"company_single\" data-id=\"20529\">credit score<\/a> is not perfect.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Improve_Your_Chances_for_a_Personal_Loan_Approval\">Improve Your Chances for a Personal Loan Approval<\/h2>\n\n\n<h4>Steps<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Improve Your Credit Score<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Balance Your Income vs. Debt Ratio<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Have a Plan for the Loan<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Consider a Cosigner<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Get the Right Lender<\/a><\/div><div class=\"single-article__steps\"> <style>\n .single-article__steps-items .single-article__steps-content{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n width:calc(100% - 5px);\n}\n .single-article__steps-items .single-article__steps-counter{\n padding:5px 20px;\n border-radius:3px;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n\/* .single-article__steps-items::before{\n content:\"\";\n position:absolute;\n top:20px;\n left:0;\n height:calc(100% + 40px);\n border-left:2px dashed #e0e0e1;\n}*\/\n .single-article__conclusion-tag{\n padding:5px 20px;\n border-radius:3px;\n color:#000000;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n .single-article__conclusion-item{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n}\n <\/style>\n <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Step 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Improve-Your-Credit-Score\">Improve Your Credit Score<\/h3><p><\/p>\n<p>Your loan approval will be significantly determined by your<a href=\"https:\/\/financer.com\/wiki\/credit-score\/\"> credit score<\/a>. If your credit score is less than 600, you <span style=\"font-weight: 400;\">may<\/span> need to find ways to increase your score.<\/p>\n<p> <\/p>\n<p>Lenders<strong> take a serious look at credit scores <\/strong>to assess whether or not you are capable of paying back debt. They <a href=\"https:\/\/financer.com\/company\/transunion\/\">view your credit score<\/a> as a window into your ability to manage money.<\/p>\n<p> <\/p>\n<p>Your credit score is made up of your:<\/p>\n<p> <\/p>\n<div class=\"is-style-check-list\">\n<ul>\n<li><span style=\"font-weight: 400;\">Length of credit history<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Credit Utilization and amounts owed<\/span><\/li>\n<li>Debt to income ratio<\/li>\n<li>Payment history<\/li>\n<li>Credit diversification<\/li>\n<li>Credit <span style=\"font-weight: 400;\">application<\/span> frequency<\/li>\n<\/ul>\n<\/div>\n<p> <\/p>\n<p>These are keys to be aware of when trying to improve your credit score. <span style=\"font-weight: 400;\">Remember, t<\/span>he <strong>higher your score, the better your chances<\/strong> of getting a loan approval.\u00a0<\/p>\n<p> <\/p>\n<p>Want to improve your credit score? We have put together 8 actionable ways to do it &#8211; read it <a href=\"https:\/\/financer.com\/how-to-improve-your-credit-score\/\">here<\/a>.<\/p>\n<p><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Step 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Balance-Your-Income-vs.-Debt-Ratio\">Balance Your Income vs. Debt Ratio<\/h3><p><\/p>\n<p>When you apply for a loan, lenders will ask for proof of your annual income and often a breakdown of your debt. Your <a href=\"https:\/\/financer.com\/how-to\/get-a-personal-loan-for-bad-credit\/\">debt-to-income ratio<\/a> is <span style=\"font-weight: 400;\">a<\/span><span style=\"font-weight: 400;\"> percentage <\/span><span style=\"font-weight: 400;\">calculated by taking<\/span> <span style=\"font-weight: 400;\">of<\/span> <span style=\"font-weight: 400;\">your monthly debt payments divided by your monthly income.<\/span><\/p>\n<p> <\/p>\n<p>Check to see if your income has increased since your last loan. If it has, then your debt-to-income ratio has changed. The <strong>lower your debt percentage, the better your chances<\/strong> of getting a personal loan.<\/p>\n<p> <\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Step 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Have-a-Plan-for-the-Loan\">Have a Plan for the Loan<\/h3><p><span style=\"font-weight: 400;\">Knowing how much you need to borrow <\/span><span style=\"font-weight: 400;\">before<\/span><span style=\"font-weight: 400;\"> you are approved for a loan is essential. Having a plan of what the money <\/span><span style=\"font-weight: 400;\">is for beforehand is important.<\/span> <span style=\"font-weight: 400;\">This<\/span><span style=\"font-weight: 400;\"> will <\/span><span style=\"font-weight: 400;\">keep<\/span><span style=\"font-weight: 400;\"> you from getting into an unnecessary debt cycle from <\/span><span style=\"font-weight: 400;\">buying<\/span><span style=\"font-weight: 400;\"> things you do not need. It will also make looking for a loan easier <\/span><span style=\"font-weight: 400;\">and improve<\/span><span style=\"font-weight: 400;\"> your chances of getting approved for a loan.<\/span><\/p>\n<p>make looking for a loan easier, improving your chances of getting approved for a loan.<\/p>\n<p><strong>Keep your loan term as short as possible<\/strong>. Once you know how much you need to borrow, work out how long it will take you to pay back your loan.<\/p>\n<p>Lenders prefer shorter payback periods as there is less chance that your circumstances will change. It also increases confidence with the lender that you will not default your loan payments.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Step 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Consider-a-Cosigner\">Consider a Cosigner<\/h3><p>If you have relatively good credit and want a loan for a significant amount, consider a cosigner.<\/p>\n<p><a href=\"https:\/\/financer.com\/loans\/cosigning\/\">Cosigner loans<\/a> can help <span style=\"font-weight: 400;\">in many situations such as<\/span> when you need to consolidate your high-interest student loans, <span style=\"font-weight: 400;\">need help on a<\/span>\u00a0business loan, or when applying for your first home mortgage.<\/p>\n<p>If you have someone close that has good credit that trusts you to commit to the repayment of a loan, you may be able to get a much better interest rate. Banks and lenders are big fans of consigning, as there are now two incomes backing the one loan.<\/p>\n<p>The consigner is basically the insurance that someone with good credit, and an income is going to pay this loan back. A cosigner increases your creditworthiness big time!<\/p>\n<p>Obviously, there needs to be a disclaimer here that asking someone to cosign for you is a big deal. If you default the loan payments, it is 100% on them to pay that loan back.<\/p><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag alt\" id=\"step_5\">Step 5<\/div><div class=\"single-article__conclusion-item\"><div class=\"single-article__conclusion-content\"><h3 id=\"Get-the-Right-Lender\">Get the Right Lender<\/h3><p>Regular readers of our blogs know that our goal at Financer.com is to help you find the best financial services available. For loans, that means a credible lender that will lend you the money you need at a rate and terms that are as competitive as possible. Make sure any lender you work with offers the following benefits:\u00a0<\/p>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container\">\n<div class=\"is-style-check-list\">\n<ol>\n<li>Credible lender<\/li>\n<li>Lending limits to suit your needs<\/li>\n<li>The lowest fees possible<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<p>Shop around and compare lenders through our online lending tool. The online lending industry has boomed, which means more competition. This is great for borrowers as <a href=\"https:\/\/financer.com\/wiki\/interest-rate-apr\/\">interest rates<\/a>, APRs and fees <span style=\"font-weight: 400;\">are more competitive than ever before<\/span>.<\/p>\n<p>If you want even more significant loan amounts, consider going to see your bank or <a href=\"https:\/\/financer.com\/company\/amplify-credit-union\/\">credit union<\/a>. But make sure you compare their APRs with online lenders in your state as well.<\/p>\n<p><strong><a href=\"https:\/\/financer.com\/loans\/personal-loans\/\" data-type=\"URL\" data-id=\"https:\/\/financer.com\/loans\/personal-loans\/\" data-rich-text-format-boundary=\"true\">Compare loan rates for personal loans &gt;<\/a><\/strong><\/p><\/div><\/div> <\/div>\n <\/div>\n\n<section class=\"fn_block quiz-section\">\n <div class=\"container\">\n <div class=\"quiz-section__wrapp page-content\">\n <div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header_title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>Improve Your Chance of Getting Approved for a Loan Quiz<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header_description\"><p>Test your knowledge\u00a0<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz-question__start-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"has-text-centered\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button href=\"https:\/\/dimi.creatinmagic.com\/us\/company\/\" id=\"start_btn\" class=\"button is-rounded is-primary quiz-start-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tTake Quiz \n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"fn_quiz\" data-signin-start=\"\" data-signin-result=\"\" data-id=\"43903\" quiz-type=\"single\" data-js-quiz-block style=\"display: none\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_content\"><div class=\"quiz-controll-buttons\">\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"prev_btn\" disabled>Previous<\/button>\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz-controll-buttons-counter\">Question <span id=\"quiz_counter\">1\/5<\/span><\/div>\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"next_btn\" disabled>Next<\/button>\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"end_quiz\" disabled>Results<\/button>\n\t\t\t\t\t\t\t\t\t<\/div><div class=\"quiz-question__row\" id=\"quiz_question_0\"><div class=\"quiz-question__text\">What is the significance of your credit score in loan approval?<\/div><div id=\"answer0\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio0\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p>It determines the loan amount you can receive<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer1\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio1\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p>It affects the interest rate of the loan<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer2\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio2\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p> It determines the repayment period of the loan<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer3\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio3\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p>None of the above<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_1\"><div class=\"quiz-question__text\">What is one way to improve your credit score?<\/div><div id=\"answer4\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio4\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p> Increase your credit utilization ratio<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer5\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio5\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>Reduce the length of your credit history<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer6\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio6\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>Make timely payments to your debts<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer7\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio7\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>Apply for multiple loans simultaneously<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_2\"><div class=\"quiz-question__text\">What is the debt-to-income ratio?<\/div><div id=\"answer8\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio8\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>The percentage of monthly income spent on debt payments<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer9\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio9\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>The total amount of debt owed by an individual<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer10\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio10\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>The number of credit applications made in a month<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer11\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio11\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p>The length of credit history<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_3\"><div class=\"quiz-question__text\">What is the purpose of having a cosigner for a loan?<\/div><div id=\"answer12\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio12\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>To reduce the interest rate on the loan<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer13\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio13\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p> To increase the loan amount available<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer14\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio14\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>To provide insurance for loan repayment<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer15\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio15\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>To improve the credit score of the borrower<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_4\"><div class=\"quiz-question__text\">How can borrowers compare different lenders?<\/div><div id=\"answer16\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio16\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>By visiting local banks only<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer17\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio17\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p> By comparing APRs and fees online<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer18\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio18\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>By relying solely on recommendations<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer19\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio19\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>By considering lending limits only<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><\/div><div class=\"quiz-results has-text-centered is-hidden\"><div class=\"quiz-result\">You answered <span data-js-correct-answer><\/span> out of <span data-js-all-answer>5<\/span> questions correctly!<span class=\"quiz-result-text\"><\/span><\/div><button class=\"button is-rounded is-primary is-hidden\" id=\"reset_btn\">Take the Quiz again<\/button><\/div><\/div><\/div> <\/div>\n 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