A typical lender looks primarily for two things when you ask for money: 1) your capacity to pay back, and 2) how responsible you are to pay it. When you ask for credit from an institution, it is not you but your credit report that presents your case. They look at your capital, income, and assets that you would use for payments. , They may also look at any type of assets that you can use for collateral and your credit history displays your commitment to payment, and then compare your claim from your loan application to cross-check its feasibility.