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Thursday, March 28, 2013 Disclosure . We pay our reviewers and we are compensated for our reviews. Click here for details. Completing an application does not require you to accept the loan. It's simply a request for more information about the loan terms. If you are not happy with the loan terms you can decline the offer. Every lender is required by law to disclose all financing fees and associated charges before you accept the loan. We live in a world where the inability to get a personal loan can really hamper your life choices. When you have credit problems it can seem almost impossible to get a traditional bank loan or a low interest credit card. 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