People take out personal loans for all sorts of reasons – from planning a holiday to getting married or covering education fees. Whatever the reason, there are a few things you can do to help improve your likelihood of being approved for the funds you need.

Meet the loan criteria

All lenders will have a criteria that you must fit to take out a loan. To process your Heritage application as smoothly and as quickly as possible, we rely on you to provide all of the required information as soon as possible. This includes proof of income, statements of any existing loan and credit card accounts, and information regarding your other expenses.  For more information on the information required to apply for a Personal Loan refer to the