The customer experience of applying for a loan

With a worldwide recession a harsh reality of the 21st century we have all had to face the grim realities of financial planning and showing prudence with where we splash our cash. Diamond studded pants and gold plated handbags may be on the essentials list for premier league footballers but for most of us mere mortals carefully managing our finances is a must. As our monthly money goes on buying less and less the need for additional financial assistance is necessary for anything over and above the regular bills and payments. The advent of a new car purchase, holiday, boiler or other major investment sees even the most frugal of us looking to the banks for the option of a loan. Emergency money lenders are in the spotlight for their enormous rates but I am focused here on the more efficient long term loans provided by banks and now supermarkets. You can't escape Tescos even when looking for a loan deal. The experience of applying is a nervous one as you are left to await the decision of some over arching being who holds your well being in their hand. You then need to provide every piece of evidence of your intentions down to a DNA sample from your first grade teacher. In time money arrives and you are able to bask in the extra cash left with the tunnel of repayments having satisfied the loan approval gods. Loans.  Epically needed.