When looking for a personal loan, your credit is an important factor. If you know that you will need a loan in the future, start early to invest in your credit score. DO your best to improve it because you will be able to save a lot of money by having a lower interest rate. Especially if you will need the money for a few years, it can become a very significant amount. Be sure to get multiple offers and to compare the annual percentage rate for each personal loan offer.