Read the scenario:
Phoebe needs to replace the dishwasher in her home. The problem is that she does not have enough money in savings, or available on her credit cards. She decided it is best if she gets a personal loan. She is going to get the loan from her local bank.
What is the first thing Phoebe should do?
Remove her broken dishwasher
Determine how much each month she can afford to pay
Call in sick to work for the day
Wear her nicest clothes, so she appears more trustworthy