When you're ready to apply for a loan, there are a few documents that you'll need to have ready, such as:

• Proof of income, such as paycheck stubs, W2s and tax returns
• Bank and investment statements
• Identification, such as a driver's license or passport
  
• Additionally, improving your credit score can help you qualify for better loan terms and lower interest rates. Here are a few tips to help improve your credit score:
• Pay your bills on time and in full each month
  

• Keep your credit utilization low
• Monitor your credit report for errors and quickly dispute any inaccuracies
• Avoid opening too many new credit accounts at once
• Maintain a good mix of credit accounts, such as credit cards, loans, and mortgages