“ The bank chosen have to be ready to incorporate the
desired features within the personal loan. Headlines say that nations
are mired in debts, and editorials criticize the "irresponsible borrowers", "reckless lenders"
and even today's "consumerist culture" is sometimes held
responsible for it. These citizens are deemed as high risk borrowers and most of
the banks or financial institutes are hesitant to lend them money. ”