How can we answer that question? You haven't told us what the loan is for, or how much you are seeking.
I'm not a fan of any loan except for real estate, the rest in most cases isn't necessary to have a loan for. I also don't believe in credit cards.
I believe in paying yourself. For example, you have a car, but maybe it's getting long in the tooth, so figure out how much you can afford per month for a car, that figure in your head you NEVER give that information to a car sales person, that figure in your head you deposit into a savings account each month till you have saved up for a car.
Speaking of cars, I do not believe in buying new cars when I can find dozens of cars that have very low miles that are 7 to 10 years old, and they run a long time if you get the right brands. The internet is a great resource for finding the right car fast. Buying used you save at least half of the cost of the car when it was new. I bought my 09 Acura TL Tech when it was 7 years old, and paid about a third of its original window sticker at $44,000, it had 40 some odd thousand miles on it, it now has 122,000 and still runs great. Then 3 years ago I bought a 10 Toyota Tundra SR5 4x4 for about 1/2 the new cost. I bought those cars cash, and I'm saving money up every month since I bought the Toyota just as I did when I bought the Acura till I got the Toyota, now we're saving up again for the eventuality of buying another car. I've been using this method for the last 30 some odd years.
I cancelled all my credit cards about 25 years ago. Now what I consider to be blackmail by the banks, is that if you don't have any credit cards they lower your credit score, so instead of being in the high 700's to the low 800's, mine is in the high 600's. But I never had any issues getting real estate loans at preferred rates.
Also, since I am a real estate investor, I found out from my banker that if you have say a 10,000 credit card limit with a ZERO balance, and you qualify for a 100,000 loan, the bank will reduce the amount you qualify for by the amount of what all your credit cards and car loans are. So, if all you have a zero balance 10,000 limit card and no other loans, they will qualify you for only $90,000 instead of 100,000 because having the card means you have the potential to borrow that money, and they don't want a customer to be over extended.
Anyway, I could go on, but most of you don't care about this sort of anti-borrowing stuff, or the idea of saving. But I will say this, being debt free is very liberating.