Getting a loan is easier than you think. Some people think that it's much easier to get a loan when you meet with a bank official in person rather than fill in an application via the web. It is difficult to either agree or disagree with this statement. Every situation is unique but in both cases you have to learn to sell yourself and present your finances, the credit score, credit history and multiple incomes, in a positive light. A live interview may have more opportunities for you to explain why your credit score isn't all that high or why you had an interim break in your career. Online forms don't give that chance so if you think you can use your charm and good verbal skills go for an interview rather than impersonal form filling. In any case you should by all means find out how to better your credit score by writing off debt and lowering interest on credit which will improve your chances of getting even the biggest of loans. It is vital sometimes to look the problem right in the face and ask financial advice to find the best resolution to the problem.