The term difficult to get a loan is often used to describe people who for some reason are not allowed to borrow money from the lenders. This may be the case, for example, that you have had financial problems since before and thus have drawn up payment remarks. But it does not have to be this way at all, but there are several categories of people who can also find it difficult to get approved in a loan application.
For example, you may be self-employed and have not had the company for a number of years. Then the lenders think that you cannot show an income for a sufficiently long time and thus an application is not approved. There are many other reasons why an application can be denied, this from the more obvious ones that you are unemployed but you can also be denied if you do not have a permanent employment even if the income is sufficient.
How much money you earn
Even if you were to meet the basic requirements set by the lender, you can also not be entirely sure to borrow any money. Namely, a credit check will be carried out and there you will see how much money you earn, how many other loans you have, how many inquiries you have and so on. If there is, for example, a large amount of loans already, this means that there is a great risk that an application will be denied.
The most common obstacle when looking at any specific thing is probably payment remarks. One can get one for both large and small bills that are not paid on time. Then of course there will be a reminder etc. before a payment note is registered. But if this is done, you can expect to find it difficult to borrow money over the next three years. Because that is as long as a payment note persists. This regardless of whether you pay off the debt or not.
Then it need not be impossible at all to borrow some money if there are payment notes only that you can generally say that it becomes much more difficult. The big banks tell everyone that you should not have a note if you want to take a private loan. There are some smaller lenders who may want to lend but then often at a higher interest rate. The debt balance that arises when a complaint is made must be resolved before you can borrow any money even from the lenders who do not automatically refuse an application for payment remarks.
Hard but not impossible
As I said, it can be difficult for many to borrow money and this for various reasons. But it is called difficult and not impossible which means that there is often a possibility. If you have an economy that would not be able to pay off the repayments, most lenders will most certainly refuse an application. And this is something that they should also do when it is not good to borrow money if the economy is not good enough.
But if you actually have a good enough finances to manage to repay the loans, then it should probably be possible to find a loan. Below you can find a couple of lenders who can help you in various ways with a loan. If none of these fit, you can probably find someone else. There may even be a small chance of borrowing money from one of the larger banks. But then it will be required that you talk to them directly and also have very good arguments why you should borrow.