Credit history. See the answer to question 1, above. You don't need great credit, but the higher your score, the better your chances of approval and the better the terms of the loan are likely to be.
Income. Lenders will compare your income to the amount of the loan in determining how much you can repay.
Job history. Lenders want to see a steady work history – at least two years at the same employer is ideal, but at the minimum, there should be no lengthy gaps in employment during the last two years.
Current debts. Essentially, a lender will subtract your existing payment obligations from your income in deciding how much of a loan you can afford.
We will walk you through the qualification process.