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Get The Loan You Want By Dressing For Success

Nov 12, 2007
At some point in your life, you are going to need to apply for a loan through a financial institution. This loan could be to finance a new car, start your own business, or to obtain a mortgage for your dream home. No matter the reason for the loan, you will need to meet with a loan officer. One of the easiest ways to influence the outcome of that meeting in a positive way is to dress for success.

I'm sure you've heard the old adage "don't judge a book by it's cover"? While it's a nice concept, someone forgot to tell all the loan officers in the world. Fair or not, you are often judged by the first impression that you give. Your appearance plays a very important part in that first impression so dressing for success could be a vital ingredient in getting your loan.

It should go without saying that you need to be clean and well-groomed but you also need to take care with your clothing choices. Representing yourself in a crisp, professional manner is the key to dressing for success. If you are a woman, a dress is preferable but you should wear a nice pantsuit at least. Keep makeup simple and jewelry should not be overly flashy. If you are a man, a business suit is the best option. If a suit is not possible, you should wear trousers and a dress shirt along with a tie.

When you are financing a new car or a home, there are many factors for the loan officer to take into consideration. He will scrutinize your current income sources as well as your detailed credit history. He also must consider the potential risks for the bank should your financial situation change. By presenting an appropriate image, you also show him that you are a responsible person who takes your financial matters seriously.

Dressing for success becomes even more influencial when applying for a personal, unsecured loan. An unsecured loan means there is no collateral for the bank to fall back on if you default on your obligation. Since these types of loans are often for emergency money needs, the loan officer will need to be assured that you are the type of person who will repay the loan. Your appearance will help make the officer comfortable with a decision to make you the loan.

Perhaps the most important time to dress for success is when applying for a business loan. Obviously, you will need to have a sound business plan to show the loan officer. Banks definitely won't risk investing in a business that has a high chance of failing or is based on unsound principles. Part of this evaluation will be based on you as a business person. You must make the loan officer see your professionalism by dressing the part.

Sometimes banks will not schedule appointments and will just allow you to drop off your loan applications. As you can see from the above points, it can benefit you to set up face-to-face meetings. Following the dress for success guidelines will go a long way towards impressing the loan officer with your professionalism and improving your chances to obtain your loan.
About the Author
Gregg Hall is an author living with his beautiful wife and family in Navarre Beach, Florida. Find more about fashion, style as well as shoe fashion at http://www.shoefashionmagazine.com
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