Today, there are many online companies providing loans to customers. The first step is to conduct a quick online search. This can be done using various search engines making sure you go through various terms and conditions that they spell out. Use desired keywords such as "instant loans", "personal loans" or any other word according to your desired loan. Compare various lending companies since some will vary greatly and might have hidden terms, and look for a website with the most friendly terms. Fill in the Application Form This is usually a simple and straightforward process. They will ask you for your personal details such as your name, address, Social Security number and checking account. You must provide the required details so that they can verify your identity. Also, you should have a checking account before you start your application so as to make it easy to wire the money straight to your account. Get the Company’s Approval This is the most important step in your loan application process since it determines whether you will get the loan or not. After reviewing your application, the company will either approve or deny your request. If they deny you the loan, they might disclose the reason or not. If they communicate the reason for denial, you can re-apply with the stated instructions or try another company. Agree to the Terms and Conditions Detailed terms and conditions usually come at this stage according to the amount and period of your borrowing. Pay close attention to the interest rate and repayment period specified in the loan terms to ensure that you will be in a position to repay it. Receive the Money into Your Account After accepting the terms and conditions, the company will send the money to the account number you provided. This is usually done within one business day and you can access it almost immediately after it is wired.