New Delhi, July 15 -- Securing a personal loan for an array of reasons is easier than it appears. Amid a flurry of lending options available, one can simply apply on any of the online lending platforms where eKYC is carried out before the loan disbursal. And the money is transferred within a short period. This time span could be as short as 15 minutes.

Meanwhile, it is vital to note that the lenders - big or small - tend to check the credit score before disbursing a loan.

When the credit score is low, the chances are that the lender would either turn down the loan application or charge a high rate of interest.

So, if you also want to improve your chances of getting a personal loan, then you can take the following steps.

1. Pay EMIs on...