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Once you intend to take a loan, there are rigorous exercises and processes that you will be taken through to make sure that you can pay the loan back within the agreed time. Once read more intend to take a loan, there are rigorous exercises and processes that you will be taken through to make sure that you can pay the loan back within the agreed time. Once you intend to take a loan, there are rigorous exercises and processes that you will be taken through to make sure that you can pay the loan back within the agreed time. One of the things that most financial institutions look at when giving you a loan, is your ability to pay back the loan, and that means that you have to undergo some processes.