How to Apply for Personal Government Loans

Applying for a personal government loan is a simple process. Through an online database, you can access information on various loans and apply for the loan that best meets your needs.

Government loans are offered through six government agencies: The U.S. Small Business Administration, U.S. Department of Veterans Affairs, U.S. Department of Housing and Urban Development, U.S. Department of Education, U.S. Department of Commerce, and the U.S. Department of Agriculture.


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How to apply for personal government loans

Step 1

Visit the official site for government loans. (see resources) Avoid websites that require a fee for access to government loans. You should never pay for this information. This information is provided to you free of charge.


Step 2

Choose the best agency. From the six different agencies offering government loans, choose the best agency that represents that type of loan you are seeking. For the personal loan, choose the agency that represents what you are using the funds for. From the government loans homepage, select the appropriate agency and view the different types of loans being offered.



Step 3

View description and terms. Before applying for a personal government loan, make sure you are eligible. After making your loan selection, read the terms carefully. Government loans are very tailored and have specific criteria for eligibility.

Step 4

Apply for your personal government loan. Each loan will have a unique submission process. To locate the submission process, scroll down to bottom of your description and terms page. This section is called "Your Next Steps." This section will walk you through the application process.


It is very important that you read the description of each agency offering personal government loans. Make sure you have chosen the right agency to apply to. To avoid loan rejection, clearly define the purpose of your loan and make sure you have a decent credit history before applying.

Things You'll Need

  • Internet

  • Printer



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