In order to solicit or to begin to realise the process of a banking credit, the interested one must fill in a form of request of bank loan, here it must facilitate all the necessary documents and to present/display them before the Office of Financial Aid of the bank in the term quela organization has established early. At the outset, the Office of Financial Aid must realises a preliminary revision of the documents that lack in the file of loan of the applicant and soon it communicates with the bank and its archives to for the final revision of the viability of the loans, is analyzed if it is fulfilled the payment, if it does not present/display reports of cediticio breach and it watches his experience with other loans. The process of a banking credit is very delicate and long time is needed to make decisions since all the cases that appear are not equal, by this need a exahustivo study of viability. Any missing document or some delay in the delivery of documents does not guarantee the good operation of the process of the banking credit. In Internet it is very easy to find articles and videos free on like asking for this type of loans, are specified here and the steps are emphasized to follow according to the financial or banking organization and, by all means, the geographic location of the applicant of the loan. In this frame, also it is important to mention that the committee of loans of the bank works in cooperation with the Office of Financial Aid to satisfy all the needs with the clients and applicants, but is the primary responsibility of the bank to communicate the final decision to the applicant of the loan at issue of being approved or being rejected, this decision is predicted before it begins the period of deposit and payments of the credit, clearly, if this it is approved. Yes after the use of the money of the loan some amount is not used and still continuous in the account, this cash or value will be given back to the bank and this way each and every one of the respective payments of the loan will be able to be refinanced.