Lenders typically require borrowers to demonstrate a regular and sufficient source of income to repay the loan, usually verified through pay stubs or other financial documents.

Lenders assess the borrower's ability to repay the loan based on their available income after paying all monthly expenses, including other debts.

In some cases, collateral such as assets or property may be required to secure the loan and provide additional assurance to the lender in case of default.

Each lender may have their own specific criteria and requirements based on the type of credit requested, the purpose of the loan, and the internal policies of the lending company.