In order to stand a better chance of your small loan being approved, it would be advisable to carry out an online research first. Competitors may be offering different loans at varying terms and conditions. Seek information on the kind of a loan you would be interested in and the terms you are most comfortable with. In some cases where you may be going for a specific type of a loan like for a car or a mortgage, there is always a deal that will work out better for you. You might get offers in your mail but it is important that you go further and compare the different options on a fair ground.