 TITLE: Can You Get a Personal Loan With Fair Credit? CONTENT: There are straightforward steps to applying for a personal loan. The first step is to evaluate your credit situation. Your credit reports are available for free through AnnualCreditReport.com. You can also see your credit score and download your credit report from Experian for free at any time. Review your score information and check your credit report for any inaccuracies and any factors that may be holding back your scores. END