It seems to me that nowadays any bank will approve a loan. Even if your credit history is not that great. The only question is what the limit will be. Obviously, if you had delays, missed payments and stuff like that, banks will not have much trust in you. In general, I would recommend opening a bank deposit account first. And gradually putting money there. The main thing is to do it regularly. This is more like my opinion, but it seems to me that if you put money in an account and top it up regularly, it shows that you handle your finances carefully and that you have a decent financial situation.