u003ca href=u0022https://www.creditkarma.com/personal-loans/i/how-to-apply-for-a-personal-loanu0022 target=u0022_blanku0022 rel=u0022noreferrer noopeneru0022u003eTo apply for a personal loanu003c/au003e, start by deciding how much you want to borrow and what loan payments you can afford. Then, you can start applying for prequalification and checking your terms with different lenders. If you’re happy with your prequalification terms, you can then submit a formal application for a personal loan.