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Zippy Loan Note that relying on your credit report alone to get the Personal Loan is not enough, you must also convince the lenders that you can pay your loan back on time. If you are currently employed, you should show the lenders your income statement and explain to them why you need a quick loan for a period of time. A credit report can only tell so much, it does not reflect your day-to-day real expenses and earnings. If you are self-employed, you must also prove to the lenders that you are able to pay your loan back. You can show them your business opportunity and your business plan. You can also explain to them how you are going to make money from your business.

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