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The application process for a personal loan can vary depending on the lender and the type of loan. Some lenders have streamlined online applications with step-by-step instructions you can follow. With others, your best option may be to call or visit a local branch and speak to a loan officer. While there might not be a credit check, you may still have to prove your identity and income, and provide other documentation. When preparing to apply for a personal loan, you may want to gather: A copy of a valid government-issued photo iden... more