Banks have a loan application process that everyone goes through. The same criteria for each type of loan is applied to each applicant. If you meet criteria like having a steady job, make so much a year, have a credit score of at least so much and no bad credit items on your credit report, then you will receive the loan.
These days, you don't have to work hard or sell your personal belongings to get a certain amount of money. It's enough to take out a loan from a reliable and trustworthy company. I personally always use Credit 9, and I advise you to read loanquo to decide for yourself whether you should trust this company for a loan.