What are my chances of getting a personal loan?

Question by axr: What are my chances of getting a personal loan?
Hi, I am a non-us resident with an H-1B, with no debt right now making 60K a year renting an apartment with a 93 toyota car. I am able to save 00 a month. I would like to apply for a personal loan of about 000 to repay a loan I took back in my country where is interest rate is extremely high and I am wondering what you guys think about my chances.
Question two would be is there any not-for-protfit agencies that can help me with choosing the best loan. PReferably it is not online.
Third question is can I get a car loan and then not buy a car and use it for other purposes?
Thanks

Best answer:

Answer by pepper
Well, I’ll start with the 3rd question. No, you cannot get a car loan and use it for other purposes.

If you are saving ,500 per month and you have this money in a bank money market account – you should have no trouble securing a loan from the financial institution with which you do business if you are a stable employee with a verifiable income.

Do you own your home? How long have you been at your current residence? Have you even approached your bank? Are you contractually bound to your employer? Are you here with a work visa? What is your country? Can the bank verify your loan information?

Add your own answer in the comments!

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