The present, global economic crisis means that getting loans from a bank of a finance company is becoming harder. Western Governments are beginning to put some measures in place to encourage both the banks and finance companies to lend more again, however this is taking some time.
You can, however, get finance and loans from an online company as they have not had the same problems as the banks. If you do apply online, then you should be quite clear about how much you want to borrow, and why you want to borrow the money. Online applications may be easier but, financiers still want to know why you need the money along with assurances that you can afford the repayments.
Some finance and loans companies will only lend money to people in certain sectors, just as some finance companies only deal with finance for automobiles, so others only deal with farm machinery or home improvements. You should make sure that the company you want to borrow money from lends money for your particular purpose. If you do your research properly before you submit a loan application then you are less likely to be disappointed.