{"id":3696,"date":"2017-05-11T13:53:12","date_gmt":"2017-05-11T13:53:12","guid":{"rendered":"https:\/\/www.ccpc.ie\/consumers\/?page_id=3696"},"modified":"2024-08-26T12:39:05","modified_gmt":"2024-08-26T11:39:05","slug":"applying-for-a-loan","status":"publish","type":"page","link":"https:\/\/ccpc.inventise.ie\/consumers\/money\/loans\/applying-for-a-loan\/","title":{"rendered":"Applying for a loan"},"content":{"rendered":"<div class=\"responsive-tabs\">\n<h2 class=\"tabtitle\">Before you apply<\/h2>\n<div class=\"tabcontent\">\n\n<p>The first step is to\u00a0look at your\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/tools-and-calculators\/budgeting-calculators\/budget-planner\/\">budget<\/a>\u00a0and find out how much you can afford to repay each week or month, while allowing some leeway for unexpected costs, such as medical bills or car repairs.<\/p>\n<p>No matter how\u00a0much of a\u00a0loan you are offered,\u00a0ask yourself:<\/p>\n<ul>\n<li>How much do you need to\u00a0borrow?<\/li>\n<li>Will you be able to afford the repayments, even if you lose your job or your working hours are reduced?<\/li>\n<\/ul>\n<p>Credit always comes at a cost. You pay interest on what you borrow and you may also have to pay administration or set-up charges. So, it costs you more to borrow money than if you pay for something with your\u00a0savings. Have a think about whether you really need the loan or whether you could <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/saving\/much-can-save\/\">save<\/a>\u00a0up instead.<\/p>\n<p>Don&#8217;t be tempted to take on more debt than you need or can afford to repay. If you run into problems repaying a loan, your\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/loans\/your-credit-history\/\">credit history<\/a>\u00a0may be affected and you may have difficulty borrowing money in the future.<\/p>\n\n    <div class=\"htbgwm\">\n            <div class=\"modal fade money-clinic-modal\" id=\"Money_Clinic_Modal_4\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"myModalLabel\">\n                <div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n                    <div class=\"modal-content\">\n                        \n                        <button type=\"button\" class=\"close\" onclick=\"StopVideos('4');\" data-dismiss=\"modal\" aria-label=\"Close\"><span aria-hidden=\"true\"><img decoding=\"async\" src=\"https:\/\/ccpc.inventise.ie\/consumers\/wp-content\/themes\/ccpc-consumers\/img\/close-modal.png\" alt=\"\"><br>Close<\/span><\/button>\n                        <div class=\"modal-body\">\n                            <div class=\"aired_episode_date\"><span>29 May 2023<\/span><\/div>\n                            <h2 class=\"lightbox_title\">Borrowing<\/h2>\n                            \n                                                            <div class=\"aired_episode_video\" id=\"vimeo-player\">\n                                    <div id=\"popupVids\" class=\"video_responsive\">\n                                        <iframe id=\"vimeo-embed41\" title=\"What are the consequences of equity release loans? | CCPC Money Clinic\" src=\"https:\/\/player.vimeo.com\/video\/824039444?h=8e57ac8635&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen><\/iframe>\n                                    <\/div>\n                                    <h3 class=\"vimeo_title\">What are the consequences of equity release loans?<\/h3>\n                                <\/div>\n                                                            <div class=\"aired_episode_video\" id=\"vimeo-player\">\n                                    <div id=\"popupVids\" class=\"video_responsive\">\n                                        <iframe id=\"vimeo-embed42\" title=\"Should I get a loan for my wedding? | CCPC Money Clinic\" src=\"https:\/\/player.vimeo.com\/video\/824038808?h=95800ce22b&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen><\/iframe>\n                                    <\/div>\n                                    <h3 class=\"vimeo_title\">Should I get a loan for my wedding?<\/h3>\n                                <\/div>\n                                                            <div class=\"aired_episode_video\" id=\"vimeo-player\">\n                                    <div id=\"popupVids\" class=\"video_responsive\">\n                                        <iframe id=\"vimeo-embed43\" title=\"Can I save money by switching credit card? | CCPC Money Clinic\" src=\"https:\/\/player.vimeo.com\/video\/824041075?h=45358dc60a&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen><\/iframe>\n                                    <\/div>\n                                    <h3 class=\"vimeo_title\">Can I save money by switching credit card?<\/h3>\n                                <\/div>\n                                                            <div class=\"aired_episode_video\" id=\"vimeo-player\">\n                                    <div id=\"popupVids\" class=\"video_responsive\">\n                                        <iframe id=\"vimeo-embed44\" title=\"If I miss a loan payment will it affect my ability to borrow? | CCPC Money Clinic\" src=\"https:\/\/player.vimeo.com\/video\/824040594?h=4238382abc&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen><\/iframe>\n                                    <\/div>\n                                    <h3 class=\"vimeo_title\">If I miss a loan payment will it affect my ability to borrow?<\/h3>\n                                <\/div>\n                                                            <div class=\"aired_episode_video\" id=\"vimeo-player\">\n                                    <div id=\"popupVids\" class=\"video_responsive\">\n                                        <iframe id=\"vimeo-embed45\" title=\"How do I find the lowest interest rate on loans? | CCPC Money Clinic\" src=\"https:\/\/player.vimeo.com\/video\/824040109?h=aca00d9cdd&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture\" allowfullscreen><\/iframe>\n                                    <\/div>\n                                    <h3 class=\"vimeo_title\">How do I find the lowest interest rate on loans?<\/h3>\n                                <\/div>\n                            \n                            <div class=\"aired_episode_popup_text\"><p>If you\u2019re thinking of taking out a loan but unsure where to start, check out our <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money-tools\/loan-comparison\/\">loan comparison Money Tool<\/a> to compare providers, find out the monthly repayments and calculate the total cost of credit. If your wedding is coming up and you\u2019re weighing up whether or not to get a loan for it, you should read our <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/budgeting\/life-stages\/getting-married\/\">getting married tips<\/a> to help guide you.<\/p>\n<p>One of our guests at the Money Clinic wanted to know the consequences of releasing equity in his home. If you want to know if this is an option for you, read more about <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/loans\/equity-release\/\">equity release<\/a>.<\/p>\n<\/div>\n                            <div class=\"aired_episode_popup_link\"><a class=\"btn\" href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/loans\/\" target=\"\">Borrowing hub<\/a><\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n    <\/div>\n\n\n    <hr style=\"border-top: 1px solid #E5E7F0\">\n    <div class=\"single-videowrapper money-clinic-episodes\">\n        <div class=\"single_episode single_episode_aired single_episode_4\">\n            <a class=\"openpopup\" href=\"javascript:void(0);\" data-toggle=\"modal\" data-target=\"#Money_Clinic_Modal_4\">\n                <div class=\"single_episode_in\">\n                    <div class=\"image-container\">\n                        <div class=\"image-container-inn\">\n                            <img decoding=\"async\" class=\"single_episode_image\" src=\"\/wp-content\/uploads\/sites\/2\/2023\/08\/img-money-clinic-promo.jpg\" alt=\"Money clinic promo image\" \/>\n                        <\/div>\n                    <\/div>\n                    <div class=\"single_episode_description\">\n                        <div class=\"aired_episode_date\"><span>Borrowing<\/span><\/div>\n                        <div class=\"aired_episode_text\"><h3>Answering your borrowing questions<\/h3>\n                            <p>Credit cards, car loans, buy now pay later. Borrowing is all around us, see what visitors to our Money Clinic asked and learn more.<\/p><\/div>\n                        <div class=\"aired_episode_link\"><p>See all videos<\/p><\/div>\n                    <\/div>\n                <\/div>\n            <\/a>\n        <\/div>\n    <\/div><!-- \/videowrapper-->\n    <hr style=\"border-top: 1px solid #E5E7F0\">\n\n<script>\nfunction StopVideos(episode){\n    for(x=1; x<6; x++){\n        var $frame = $('iframe#vimeo-embed'+ episode + x);\n        var vidsrc = $frame.attr('src');\n        $frame.attr('src',''); \n        $frame.attr('src', vidsrc);\n    }\n    \n};\n<\/script>\n\n\n<h3>How long should you borrow for?<\/h3>\n<p>The longer your loan lasts, the more it costs you in interest, so don&#8217;t borrow for longer than you need to. Try to match the term with the reason for the loan, for example:<\/p>\n<ul>\n<li>If you borrow for a holiday, aim to have it paid back before your next holiday<\/li>\n<li>Pay off your car loan over three to five years<\/li>\n<li>If you need to, you can spread out the cost of larger loans, such as home improvement loans over a longer term such as five to seven years because the benefits last longer<\/li>\n<\/ul>\n\n<\/div><h2 class=\"tabtitle\">What type of loan<\/h2>\n<div class=\"tabcontent\">\n\n<p>When looking for a loan, it is worth shopping around for the best deal. Our\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/financial-comparisons\/loan-comparison\/\">loan comparisons<\/a>\u00a0are a great place to start. You should also consider the following:<\/p>\n<h3>Fixed or variable rates loan<\/h3>\n<p>You might have the option to choose a fixed rate or a variable rate loan both of which have pros and cons.<\/p>\n<h4><strong>Fixed rate<\/strong><\/h4>\n<section class=\"prosconswrap\">\n<section class=\"row\">\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"pros\">\n<h2>Pros<\/h2>\n<ul>\n<li>The interest rate and the amount you repay each week or month is guaranteed to stay the same throughout the term of the loan<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endpros--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"cons\">\n<h2>Cons<\/h2>\n<ul>\n<li>Even if interest rates fall, your repayments won\u2019t<\/li>\n<li>Many lenders won\u2019t allow you to pay extra each week or month<\/li>\n<li>You may have to pay a fee if you want to pay your loan off early<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endcons--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<\/section>\n<p><!--\/row--><\/p>\n<section class=\"\"><\/section>\n<\/section>\n<h4><strong>Variable rate<\/strong><\/h4>\n<section class=\"prosconswrap\">\n<section class=\"row\">\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"pros\">\n<h2>Pros<\/h2>\n<ul>\n<li>You can usually pay off your loan early without a fee, by paying \u00a0more each week, or month, and\/or\u00a0\u00a0some or all of the full amount you owe, in one lump sum<\/li>\n<li>If interest rates decrease, so\u00a0will your repayments, or if your repayments stay the same, you will pay off your loan early<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endpros--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<section class=\"col-md-6 col-sm-6\">\n<section class=\"cons\">\n<h2>Cons<\/h2>\n<ul>\n<li>Interest rates could rise during the loan term.<\/li>\n<li>If this happens, your interest rate will also increase and lenders will either increase your repayment, or \u00a0increase the number of repayments you have to make, but keep your weekly or monthly repayments the same, so the term of the loan will lengthen<\/li>\n<\/ul>\n<\/section>\n<p><!--\/endcons--><\/p>\n<\/section>\n<p><!--\/col-sm-6--><\/p>\n<\/section>\n<p><!--\/row--><\/p>\n<section class=\"\"><\/section>\n<\/section>\n<p>&nbsp;<\/p>\n<h3>How flexible is your loan?<\/h3>\n<p>The more flexibility built into a loan\u00a0the better, in case\u00a0your circumstances\u00a0change. For example, if you are made redundant, become ill or your income is reduced, will the lender allow you to extend your repayments over a longer period?<\/p>\n<p>Alternatively, you might get some money unexpectedly. If this happens could you make extra repayments and will\u00a0your lender\u00a0reduce the amount outstanding and the interest payable?<\/p>\n<p>Loans where the interest is calculated on a daily basis give\u00a0the greatest flexibility as any extra repayment immediately reduces the interest charges for the following day.<\/p>\n<h3>Interest<\/h3>\n<p>When shopping around for a loan, you should always compare the interest. You can do this by comparing:<\/p>\n<ul>\n<li>the\u00a0APR\u00a0 (annual percentage rate) and\/or<\/li>\n<li>the\u00a0cost of credit<\/li>\n<\/ul>\n<h3>APR<\/h3>\n<p>All lenders are required to quote the interest rate on a loan or credit card as an <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/jargon-buster#APR\">APR<\/a>. This takes account of the interest rate and the term of the loan and\u00a0of any other costs such as administration or arrangement fees.<\/p>\n<p>You can use the APR to compare\u00a0loans as long as they are for the\u00a0same amount and the same term. You cannot use APR to compare loans of different terms \u2013 if the terms are different you should look at the\u00a0cost of credit. The lower the APR, the lower the repayments and the total cost of credit. The example below shows sample repayments on a \u20ac10,000 loan over five years, with different APRs.<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>APR<\/strong><\/td>\n<td><strong>Amount borrowed\u00a0<\/strong><\/td>\n<td width=\"33%\"><strong>Monthly repayment<\/strong><\/td>\n<td width=\"33%\"><strong>Total paid\u00a0<\/strong><\/td>\n<td width=\"34%\"><strong>Total cost of credit<\/strong><\/td>\n<\/tr>\n<tr>\n<td>9%<\/td>\n<td>\u20ac10,000<\/td>\n<td width=\"33%\">\u20ac206<\/td>\n<td width=\"33%\">\u20ac12,353<\/td>\n<td width=\"34%\">\u20ac2,353<\/td>\n<\/tr>\n<tr>\n<td>11%<\/td>\n<td>\u20ac10,000<\/td>\n<td width=\"33%\">\u20ac215<\/td>\n<td width=\"33%\">\u20ac12,891<\/td>\n<td width=\"34%\">\u20ac2,891<\/td>\n<\/tr>\n<tr>\n<td>14%<\/td>\n<td>\u20ac10,000<\/td>\n<td width=\"33%\">\u20ac228<\/td>\n<td width=\"33%\">\u20ac13,706<\/td>\n<td width=\"34%\">\u20ac3,706<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>While interest and set-up charges are built into the\u00a0APR, there may be other costs of borrowing. Remember, you have to be given a full list of fees and charges on a loan. Always ask for an explanation of any charge you don&#8217;t understand.<\/p>\n<p>When comparing loans, make sure the repayment does not include the cost of <a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/insurance\/payment-protection-insurance\">payment protection insurance<\/a> (PPI) and if it does, only compare the actual repayments\u00a0excluding any PPI costs.<\/p>\n<h3>Cost of credit<\/h3>\n<p>The cost of credit is the real cost of borrowing. It is the difference between the amount you borrow and the total you will repay by the end of the loan. To calculate the cost of credit:<\/p>\n<ul>\n<li>Multiply your regular weekly or monthly repayment by the total number of repayments<\/li>\n<li>Add on any other charges that you have to pay such as administration or set up charges &#8211; this gives you the total you will repay on your loan<\/li>\n<li>Subtract the amount you borrow from this total &#8211; this is the cost of credit<\/li>\n<\/ul>\n<p>The longer the term of your loan, the higher the cost of credit. For example, John takes out a \u20ac2,000 loan. He is happy with the interest rate, but is unsure about what loan term is best. The table shows the effect of different loan terms on the cost of credit.<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Loan amount<\/strong><\/td>\n<td><strong>Interest rate (variable)<\/strong><\/td>\n<td><strong>Term (months)\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0<\/strong><\/td>\n<td width=\"33%\"><strong>Monthly Repayment<\/strong><\/td>\n<td width=\"33%\"><strong>Total John will repay on his loan<\/strong><\/td>\n<td width=\"34%\"><strong>Cost of credit (total of all repayments less \u20ac2,000)<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u20ac2,000<\/td>\n<td>\u00a09.45%<\/td>\n<td>One year (12 months)<\/td>\n<td width=\"33%\">\u20ac174.96<\/td>\n<td width=\"33%\">\u20ac2,099.52<\/td>\n<td width=\"34%\">\u20ac99.52<\/td>\n<\/tr>\n<tr>\n<td>\u20ac2,000<\/td>\n<td>\u00a09.45%<\/td>\n<td>Two years (24 months)<\/td>\n<td width=\"33%\">\u20ac91.43<\/td>\n<td width=\"33%\">\u20ac2,194.32<\/td>\n<td width=\"34%\">\u20ac194.32<\/td>\n<\/tr>\n<tr>\n<td>\u20ac2,000<\/td>\n<td>\u00a09.45%<\/td>\n<td>Three years (36 months)<\/td>\n<td width=\"33%\">\u20ac63.66<\/td>\n<td width=\"33%\">\u20ac2,291.72<\/td>\n<td width=\"34%\">\u20ac291.76<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The longer the term, the less\u00a0you pay back each month, but the total cost of your loan increases. That&#8217;s because the longer the loan, the more interest you will be charged.<\/p>\n<p>You can use our\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/tools-and-calculators\/loan-calculator\/\">loan calculator<\/a>\u00a0to work out the monthly repayments and cost of credit for loans depending on:<\/p>\n<ul>\n<li>How much you want to borrow OR<\/li>\n<li>How much you can afford to pay back each month<\/li>\n<\/ul>\n<h3>Security<\/h3>\n<p>Lenders may prefer to have\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/jargon-buster#security\">security<\/a>\u00a0for a loan and will make this a requirement of giving you a loan.<\/p>\n<p>Be very careful about using your family home as security for a loan. If you have trouble meeting repayments at a later date, your lender could be entitled to repossess your home to clear your debts.<\/p>\n<h3>What if\u00a0I change my mind?<\/h3>\n<p>You have a 14-day \u2018cooling-off period\u2019, during which time you can change your mind, without having to give any reason. The 14 days start when you receive a copy of the agreement. This gives you time to think about the terms and conditions of the agreement, and to get financial or legal advice if you want to.<\/p>\n<p>If you decide not to go ahead, you must let the lender know, in writing. You cannot waive your right to this cooling-off period and you normally cannot get the\u00a0money until these 14 days have passed.<\/p>\n<h3>Questions to ask<\/h3>\n<ul>\n<li>What is the rate of interest (APR) on the loan?<\/li>\n<li>Is it fixed or variable? If you choose a variable interest rate, ask your lender to explain how interest rate changes will affect the loan and your repayments. If you choose a\u00a0fixed rate\u00a0ask your lender to explain what would happen if you wanted to repay your loan early.<\/li>\n<li>What is the cost of credit?<\/li>\n<li>What term is best suited to the purpose of your loan? Remember, the longer the term, the more you will pay in interest.<\/li>\n<li>Are there any other\u00a0fees and charges\u00a0you have to pay?<\/li>\n<li>Do you need some security to guarantee that you get a loan?<\/li>\n<li>Will extra repayments be credited to your account right away and immediately reduce your interest bill?<\/li>\n<li>If you are considering taking out a loan through a retailer, such as a store or garage, would you get the goods cheaper if you paid upfront?<\/li>\n<li>Is there any large\u00a0<a href=\"https:\/\/ccpc.inventise.ie\/consumers\/money\/jargon-buster#balloon\">&#8216;balloon&#8217; payment<\/a>\u00a0at the end of the loan, or finance agreement, that you have to budget for?<\/li>\n<\/ul>\n\n<\/div><h2 class=\"tabtitle\">Refused a loan<\/h2>\n<div class=\"tabcontent\">\n\n<h3>Check your own credit report<\/h3>\n<p>When you fill out a loan application form, the lender will check your credit history. This helps your lender decide whether to give you a loan or not.<\/p>\n<p>You can find out more about what\u2019s included on the Central Credit Register on the\u00a0<a class=\"external broken_link\" href=\"https:\/\/www.centralcreditregister.ie\/borrower-area\/what-is-included-on-a-credit-report\/\" target=\"_blank\" rel=\"noopener\">Central Bank of Ireland\u2019s website<\/a>.<\/p>\n<p>You can request a credit report from the Central Credit Register, your credit report is free (subject to fair usage) and you can <a class=\"external broken_link\" href=\"https:\/\/www.centralcreditregister.ie\/borrower-area\/submit-a-request\/\" target=\"_blank\" rel=\"noopener\">submit a request<\/a>\u00a0through the Central Bank of Ireland\u2019s website.<\/p>\n<h4>You cannot change a bad credit report unless the information is incorrect<\/h4>\n<p>A credit report provides an accurate and honest record of your loan repayment history. Unless the details are wrong, your information cannot be changed. It is the lender, not the credit reference agency, who makes the decision about giving you a loan. If you are turned down for a loan and have never had problems repaying your loans in the past, you may want to check your credit history in case there is an error. You can request a report for free from the\u202f<a href=\"https:\/\/www.centralbank.ie\/consumer-hub\/explainers\/what-is-central-credit-register\">Central Credit Register<\/a>.<\/p>\n<p>If there is a mistake on your report, the Central Credit Register must receive a formal request from either you or your lender before they will change it. In such cases, you are entitled to have the mistake corrected. You should ask for a copy of the corrected report to make sure the mistake has been changed.<\/p>\n<p>If your problem hasn\u2019t been solved, you can contact the Data Protection Commissioner for more advice, or complain to the Financial Services Ombudsman.<\/p>\n<p>If you apply for a loan and your application is refused, it may be because the lender believes that you cannot afford the repayments or that you have too many other financial commitments. If you are refused credit you can ask your lender to give you the reasons why.<\/p>\n<p>You may be refused a loan because of poor credit history.<\/p>\n<p>Remember, you might be refused a loan with one lender but not with another, because lenders use different scoring systems to decide who they will lend to, so shop around.<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Find out about applying for a loan, what questions to ask, the type of loans available, your credit history and the pros and cons of different types of loans.<\/p>\n","protected":false},"author":113,"featured_media":0,"parent":836,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[9,8],"class_list":["post-3696","page","type-page","status-publish","hentry","tag-loans","tag-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Applying for a loan - 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