The Three Worst Things to Say When Asking for a Personal Loan

Landing a personal loan has never really been easy, but since the recession began, it's been harder than ever, despite the fact that some types of lending, like auto loans, have started to make a comeback among banks.

The funny thing is, most of what goes into a bank decision to give you a personal loan has little to do with you personally. You may be the nicest person in the world and be immediately turned down for a loan -- or the meanest jerk in your neighborhood and have bankers falling all over themselves to give you money.