{"id":402,"date":"2022-10-24T09:06:48","date_gmt":"2022-10-24T07:06:48","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/"},"modified":"2022-10-24T11:53:56","modified_gmt":"2022-10-24T09:53:56","slug":"how-to-get-your-loan-authorized","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/","title":{"rendered":"How to Get Your Loan Authorized"},"content":{"rendered":"<p><span style=\"font-weight: 400\">With more than <\/span><span style=\"font-weight: 400\">21 million outstanding <a href=\"https:\/\/oxfordwisefinance.com\/personal-loans\/\">personal loans<\/a><\/span><span style=\"font-weight: 400\"> in the United States, personal loans are a fairly common form of debt to carry. Reasons people apply for personal loans include debt consolidation, home improvements, a major or unexpected expense, medical bills, and moving.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">But loan approval isn\u2019t guaranteed, and stumbling blocks like a <a href=\"https:\/\/oxfordwisefinance.com\/online-payday-loans-for-bad-credit\/\">poor credit score<\/a> or high debt-to-income ratio can get in your way. Find out how to maximize your chances of loan approval below.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In this piece, we will discuss the following: \u2014\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">What is the easiest <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-approved\/\">loan to get approved<\/a> for?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">What are the four Cs of loan approval?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">How can you make sure your loan is approved?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Loan approval FAQs<\/span><\/li>\n<\/ul>\n<h2><b>What Is the Easiest Loan to Get Approved For?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">One way to increase the chance you\u2019re approved for a <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-a-payday-alternative-loan-and-how-do-i-apply\/\">loan is to apply<\/a> for one that\u2019s easy to get approved for. Lenders like <a href=\"https:\/\/oxfordwisefinance.com\/\">OxfordWiseFinance.com<\/a>, for example, offer loans that don\u2019t require good credit, giving people a chance to get the money they need while building credit for the future.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The easiest loan to get approved for is the one you\u2019re qualified for. Before you start applying for loans, make sure you understand the four Cs of <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-qualify-for-an-unsecured-loan\/\">loan approval to understand whether you are qualified<\/a> for certain options.<\/span><\/p>\n<h2><b>What Are the Four Cs of Loan Approval?<\/b><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3875\" src=\"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/lender-checks-credit-history.jpg?resize=1140%2C641&#038;ssl=1\" alt=\"a lender a checks a borrower\u2019s credit history\" width=\"1140\" height=\"641\" \/><\/p>\n<p><span style=\"font-weight: 400\">The four Cs of <a href=\"https:\/\/oxfordwisefinance.com\/blog\/consolidated-payday-loans-things-to-consider\/\">loan approval are the factors many lenders consider<\/a> when evaluating you for a loan. They are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Capacity.\u00a0<\/b><span style=\"font-weight: 400\">Lenders want to know you have the capacity to pay back a loan. This is why many <a href=\"https:\/\/oxfordwisefinance.com\/blog\/low-earnings-loans-things-to-know-and-how-to-get-a-loan-with-low-income\/\">loans require you to provide documentation of your income<\/a>.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Capital.\u00a0<\/b><span style=\"font-weight: 400\">Some lenders look at how much cash you have on hand. If you have a savings account to cover rainy days, you\u2019re more likely to be able to stick to your payment arrangements with a lender if something happens to your income.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Collateral.\u00a0<\/b><span style=\"font-weight: 400\">This refers to something you put up to secure the loan. Secured <a href=\"https:\/\/oxfordwisefinance.com\/blog\/making-an-application-for-a-loan-online-vs-in-person-whats-the-best-and-trustworthy-option\/\">loans may be easier to get because the creditor has the option<\/a> to take the security and sell it to recoup losses if you fail to make payments. One of the most <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-south-carolina-how-to-avoid-common-mistakes\/\">common examples of a collateral-based loan<\/a> is an auto loan: the vehicle secures the loan and can be repossessed if you don\u2019t pay.<\/span><\/li>\n<li style=\"font-weight: 400\"><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/consolidating-your-debt-key-advantages-and-disadvantages\/\">Credit.\u00a0<\/a><\/b><span style=\"font-weight: 400\">Many lenders check your credit to find out if you have a history of managing debt wisely and paying your bills on time.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">All of these factors come into play with large loans, such as those associated with mortgages. When you\u2019re applying for a smaller <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-a-personal-loan\/\">personal loan<\/a>, each lender has its own policies and may not look as closely into all four Cs.<\/span><\/p>\n<h2><b>5 Steps to Make Sure Your Loan Is Approved<\/b><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3870\" src=\"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/person-tries-to-apply-for-right-loan.jpg?resize=1140%2C641&#038;ssl=1\" alt=\"a person tries to apply for the right loan while looking a laptop computer screen\" width=\"1140\" height=\"641\" \/><\/p>\n<p><span style=\"font-weight: 400\">Taking a few proactive steps to put your four Cs and other factors forward before applying for a loan can improve your chances of success. Follow the tips below to do so.<\/span><\/p>\n<h3><b>1. Apply for the right loan.<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Don\u2019t <a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-a-medical-loan-all-the-details-you-required-to-know-prior-to-applying\/\">apply for loans that you know<\/a> you won\u2019t be able to get. Each time a <a href=\"https:\/\/oxfordwisefinance.com\/payday-loans-direct-lender\/\">lender<\/a> checks your credit for the purpose of evaluating you for a loan, a <\/span><span style=\"font-weight: 400\">hard inquiry<\/span><span style=\"font-weight: 400\"> goes on your report. Stack up enough of those and your score drops. It also makes you look desperate for money to other lenders \u2014 which is not a look you want to wear when applying for loans.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Instead, research loan options before you apply. Find out what type of credit and income may be required. And don\u2019t apply for <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-washington-what-you-should-know\/\">loans that would have payments you know<\/a> you can\u2019t afford.<\/span><\/p>\n<h3><b>2. Ensure your debt-to-income ratio is good.<\/b><\/h3>\n<p><span style=\"font-weight: 400\">The top reason people get denied for a mortgage <a href=\"https:\/\/oxfordwisefinance.com\/blog\/will-my-credit-rating-decrease-if-i-obtain-a-loan\/\">loan isn\u2019t poor credit<\/a>. It\u2019s a bad <\/span><span style=\"font-weight: 400\">debt-to-income ratio<\/span><span style=\"font-weight: 400\">, or DTI. This is the ratio of how much you owe in debts monthly to how much income you have each month.<\/span><\/p>\n<p><span style=\"font-weight: 400\">DTI can also be a factor in <a href=\"https:\/\/oxfordwisefinance.com\/blog\/why-should-i-get-a-personal-loan\/\">personal loan<\/a> approval. If you make $3,000 a month, for example, and you owe $2,200 in debts every month, that\u2019s an extremely high DTI. That only leaves $800 for living expenses and other bills, such as utilities. Lenders aren\u2019t likely to approve you for a <a href=\"https:\/\/oxfordwisefinance.com\/blog\/is-a-home-equity-loan-the-best-loan-for-debt-consolidation\/\">loan in this situation because you don\u2019t have enough income left over to handle more debt<\/a>.<\/span><\/p>\n<h3><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-is-a-credit-bureau-and-how-does-it-work-2\/\">3. Work to improve your credit.<\/a><\/b><\/h3>\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/oxfordwisefinance.com\/blog\/possible-finance-bad-credit-loans-with-no-prepayment-penalties\/\">Credit scores can be a factor in loan<\/a> approvals. <\/span><span style=\"font-weight: 400\">Work to improve your score<\/span><span style=\"font-weight: 400\"> by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Making all your existing payments on time<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Paying down debt, especially on revolving accounts like credit cards<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Reviewing your reports for potential errors and disputing them<\/span><\/li>\n<\/ul>\n<h3><b>4. Provide all documentation requested.<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Follow all instructions when applying for a loan and provide any information or documentation requested. If you don\u2019t provide the required documents, your loan could be denied or you could delay an approval.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Even simple <a href=\"https:\/\/oxfordwisefinance.com\/blog\/is-a-personal-loan-a-good-idea\/\">personal loans<\/a> may require proof of ID, a good address and account routing information (so you can receive an electronic deposit to fund your loan).\u00a0<\/span><\/p>\n<h3><b>5. Be available to answer questions.<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Don\u2019t apply and then ghost. Check your email and text messages in the hours and days after <a href=\"https:\/\/oxfordwisefinance.com\/blog\/applying-for-a-no-credit-history-loan\/\">applying for a loan<\/a>. The lender may reach out to clarify information or ask for additional documentation so they can approve your loan.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you\u2019re ready to <a href=\"https:\/\/oxfordwisefinance.com\/blog\/things-to-consider-before-applying-for-a-title-for-loans\/\">apply for a loan<\/a> that\u2019s easy to qualify for and helps you build credit for the future, start with our form on the right site or at the main page. <\/span><span style=\"font-weight: 400\">Apply today<\/span><span style=\"font-weight: 400\"> and, if you\u2019re approved, you could get your funds in a matter of minutes.<\/span><\/p>\n<h2><b>Loan Approval FAQs<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><b>Can an approved loan be denied?<\/b><\/p>\n<p><span style=\"font-weight: 400\">In some cases, a loan you thought you were approved for can get denied. This is most common in mortgage situations, where you may have been preapproved for a mortgage loan. However, once full underwriting occurs, the lender may decide not to go through with the loan after all, often due to changes with your credit, debt or income that occurred between preapproval and final closing.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">In rare cases, an auto loan you were approved for may be denied. Again, this is usually because of a change in the details of your <a href=\"https:\/\/oxfordwisefinance.com\/blog\/applying-for-payday-loans-in-orange-ca\/\">loan or because the lender couldn\u2019t verify certain facts you provided when you applied<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400\">If you\u2019re approved for a <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-will-inflation-impact-my-personal-loan-2\/\">personal loan<\/a> and the money is funded (which means you received it) you can\u2019t typically be denied after the fact.<\/span><\/p>\n<p><b>How can I instantly borrow money?<\/b><\/p>\n<p><span style=\"font-weight: 400\">We provide an instant funding option for our <a href=\"https:\/\/oxfordwisefinance.com\/guaranteed-payday-loans\/\">online loans<\/a>. If you\u2019re approved, you can get money in your bank account within minutes. This process requires that you have a Visa or Mastercard debit card associated with your bank account, as the instant funds are transferred via the card networks.\u00a0<\/span><\/p>\n<p><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-approved\/\">Who decides if a loan is approved?<\/a><\/b><\/p>\n<p><span style=\"font-weight: 400\">Lenders make the ultimate decision about whether you\u2019re approved for a loan. In some cases, automated computing systems handle the first round of evaluations and may deny your loan based on programmed requirements. If a lender requires a 600 <a href=\"https:\/\/oxfordwisefinance.com\/blog\/improve-your-credit-score-with-a-credit-builder-loan\/\">credit score<\/a>, for example, computer systems may automatically reject anyone with a lower score.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In most cases, a person looks at your application too. They may be an underwriter or simply staff trained to evaluate your documentation against the <a href=\"https:\/\/oxfordwisefinance.com\/blog\/ace-loans-online-is-ace-cash-express-the-right-lender-for-you\/\">lender\u2019s loan<\/a> requirements.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With more than 21 million outstanding personal loans in the United States, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":394,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":1,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,176],"tags":[],"class_list":["post-402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-loan-process","col-md-12"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Get Your Loan Authorized - Blog - Oxford Wise Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get Your Loan Authorized - Blog - Oxford Wise Finance\" \/>\n<meta property=\"og:description\" content=\"With more than 21 million outstanding personal loans in the United States, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog - Oxford Wise Finance\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/instantpaydayloans\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-24T07:06:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-24T09:53:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Oxfordwisefinance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/x.com\/OxfordWiseLoans\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/\"},\"author\":{\"name\":\"Oxfordwisefinance\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/#\\\/schema\\\/person\\\/86a546d6182e892aecd0194cf5ec4e36\"},\"headline\":\"How to Get Your Loan Authorized\",\"datePublished\":\"2022-10-24T07:06:48+00:00\",\"dateModified\":\"2022-10-24T09:53:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/\"},\"wordCount\":1220,\"image\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/oxfordwisefinance.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/10\\\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1\",\"articleSection\":[\"Finance &amp; Business\",\"Loan Process\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/\",\"url\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/\",\"name\":\"How to Get Your Loan Authorized - Blog - Oxford Wise Finance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/oxfordwisefinance.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/10\\\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1\",\"datePublished\":\"2022-10-24T07:06:48+00:00\",\"dateModified\":\"2022-10-24T09:53:56+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/#\\\/schema\\\/person\\\/86a546d6182e892aecd0194cf5ec4e36\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/oxfordwisefinance.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/10\\\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/oxfordwisefinance.com\\\/blog\\\/wp-content\\\/uploads\\\/2022\\\/10\\\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/how-to-get-your-loan-authorized\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Get Your Loan Authorized\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/\",\"name\":\"Blog - Oxford Wise Finance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/#\\\/schema\\\/person\\\/86a546d6182e892aecd0194cf5ec4e36\",\"name\":\"Oxfordwisefinance\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f667a5981709cbc3507f5111795ee16c30dedbc973de1dd352401e60a03e4e9e?s=96&d=identicon&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f667a5981709cbc3507f5111795ee16c30dedbc973de1dd352401e60a03e4e9e?s=96&d=identicon&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f667a5981709cbc3507f5111795ee16c30dedbc973de1dd352401e60a03e4e9e?s=96&d=identicon&r=g\",\"caption\":\"Oxfordwisefinance\"},\"sameAs\":[\"https:\\\/\\\/oxfordwisefinance.com\\\/\",\"https:\\\/\\\/www.facebook.com\\\/instantpaydayloans\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/x.com\\\/OxfordWiseLoans\"],\"url\":\"https:\\\/\\\/oxfordwisefinance.com\\\/blog\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Get Your Loan Authorized - Blog - Oxford Wise Finance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/","og_locale":"en_US","og_type":"article","og_title":"How to Get Your Loan Authorized - Blog - Oxford Wise Finance","og_description":"With more than 21 million outstanding personal loans in the United States, [&hellip;]","og_url":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/","og_site_name":"Blog - Oxford Wise Finance","article_author":"https:\/\/www.facebook.com\/instantpaydayloans","article_published_time":"2022-10-24T07:06:48+00:00","article_modified_time":"2022-10-24T09:53:56+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1","type":"image\/jpeg"}],"author":"Oxfordwisefinance","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/x.com\/OxfordWiseLoans","twitter_misc":{"Written by":false,"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#article","isPartOf":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/"},"author":{"name":"Oxfordwisefinance","@id":"https:\/\/oxfordwisefinance.com\/blog\/#\/schema\/person\/86a546d6182e892aecd0194cf5ec4e36"},"headline":"How to Get Your Loan Authorized","datePublished":"2022-10-24T07:06:48+00:00","dateModified":"2022-10-24T09:53:56+00:00","mainEntityOfPage":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/"},"wordCount":1220,"image":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1","articleSection":["Finance &amp; Business","Loan Process"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/","url":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/","name":"How to Get Your Loan Authorized - Blog - Oxford Wise Finance","isPartOf":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#primaryimage"},"image":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1","datePublished":"2022-10-24T07:06:48+00:00","dateModified":"2022-10-24T09:53:56+00:00","author":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/#\/schema\/person\/86a546d6182e892aecd0194cf5ec4e36"},"breadcrumb":{"@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#primaryimage","url":"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1","contentUrl":"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-your-loan-authorized\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/oxfordwisefinance.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Get Your Loan Authorized"}]},{"@type":"WebSite","@id":"https:\/\/oxfordwisefinance.com\/blog\/#website","url":"https:\/\/oxfordwisefinance.com\/blog\/","name":"Blog - Oxford Wise Finance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/oxfordwisefinance.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/oxfordwisefinance.com\/blog\/#\/schema\/person\/86a546d6182e892aecd0194cf5ec4e36","name":"Oxfordwisefinance","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/f667a5981709cbc3507f5111795ee16c30dedbc973de1dd352401e60a03e4e9e?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f667a5981709cbc3507f5111795ee16c30dedbc973de1dd352401e60a03e4e9e?s=96&d=identicon&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f667a5981709cbc3507f5111795ee16c30dedbc973de1dd352401e60a03e4e9e?s=96&d=identicon&r=g","caption":"Oxfordwisefinance"},"sameAs":["https:\/\/oxfordwisefinance.com\/","https:\/\/www.facebook.com\/instantpaydayloans","https:\/\/x.com\/https:\/\/x.com\/OxfordWiseLoans"],"url":"https:\/\/oxfordwisefinance.com\/blog\/author\/admin\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/approved-loan-application.jpg?fit=1920%2C1080&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/posts\/402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/comments?post=402"}],"version-history":[{"count":5,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/posts\/402\/revisions"}],"predecessor-version":[{"id":8576,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/posts\/402\/revisions\/8576"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/media\/394"}],"wp:attachment":[{"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/media?parent=402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/categories?post=402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oxfordwisefinance.com\/blog\/wp-json\/wp\/v2\/tags?post=402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}