The myFICO website provides real-time home equity interest rates for different credit score levels. On a 10 year loan, you might pay an interest rate six percentage points higher with a credit score between 620 and 640, as compared to someone with an excellent score. An excellent score falls between 740 and 850.
1 First and foremost, you want to use a legitimate bank. 2  Sticking with a large, widely known bank should be a safe bet. 3  If you're considering a smaller institution, or if you just want to be extra safe, use the Bank Find tool at the FDIC's Web site to make sure the bank is a member of the FDIC.ere are some criteria to consider when choosing where to open a checking account. 1  Legitimacy. 2  First and foremost, you want to use a legitimate bank. 3  Sticking with a large, widely known bank should be a safe bet.
SBA loans. Another way to find a bank loan is through the Small Business Administration, or SBA. The SBA can direct you to banks that offer loans guaranteed by the agency. This way, you'll have the advantage of approaching banks specifically interested in lending to small businesses.f you aren't making a profit now, you must be able to tell the bank how you will change that in the short term, or you really won't be able to get a loan, he says. He also recommends that businesses start small in their loan requests. If you need money for four trucks, ask for two, Cloutier says.