Lenders will usually look at your income and your credit file to assess your ability to repay a loan. Your credit file tells the lender how well you have dealt with credit in the past, helping them to determine how well you will deal with it in the future.
If you have repaid loans and credit cards on time in the past, it will suggest to the lender that you would be capable of repaying the loan they give you. As for your income, the lender will look at your income to determine whether you can afford to repay the loan.
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