Did you ever get loan for anything?

I am currently back back my 3rd car loan. And I also have a mortgage loan for my house. they often do credit checks to make sure you are not only trustworthy but to make sure you earn enough to afford to pay it back, before they will even consider lending you the money.
You do need to rearrange your spending and be even more thrifty when you have loans out. But once you pay it off- your credit rating will increase and it will make it easier for you to get other loans or even credit cards.

I've had credit cards before, but don't use them any longer. I also have a loan for my car and my house. I would love to just be able to buy everything outright, but alas, I can not. I really want this to be my last car loan. I got a new car in hopes that it would last longer and I would be able to save enough by the time it craps out that I could just pay for my next car in full.

My first loan was a car loan from the bank that I worked for. It was one of the privileges for its employees. They offered it at a very low interest rate and on very easy terms. I had no difficulty paying for the loan as it was automatically deducted from the salary we get from the bank. There were other loans made available for employees, like housing loan, house improvement loan, appliance loan, etc. which I did not avail. Now, I am paying some other loans from the cooperative at a very minimal interest rate. Lucky for me, I don't find it hard to apply for a loan nor paying for its monthly amortization.

Yes i got loan for my education but not in private bank.there is no problem in returning loan in goverment bank,But in the case private the loan interest will increase makes you uncomfortable.