human
I've heard that a lot of people are having trouble getting a loan these days. Is it really that bad?
assistant
It's true that there has been an increase in difficulty for some borrowers to obtain loans, especially those with lower credit scores. However, lenders have also become more cautious and require additional information before approving a loan. In addition, many banks have tightened their lending criteria, making it more difficult for borrowers to qualify for a loan.