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- New credit (10%): Lenders are on the lookout for a lot of new loan applications in a short period. That's viewed as posing a greater risk and will lower a credit score. This means you might be asked to supply a higher deposit, so that the bank may feel you are more engaged and have more to lose in case you default. There is not much you can do about that, other than looking for an alternative bank. It's unlikely they will drop this demand, once they have made it. To apply for loan now means simply, you need to look for institutions that have rules that you can meet. Apply for a loan during normal banking hours, Monday-Friday
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