Welcome to Lincoln Bank . Which service do you require today ?   I'm here to ask about a loan .   We have many loans on offer . May I ask what the purpose of the loan is ?   I got married not long ago and we are expecting our first child . I'd like to buy a car for the family .   I see . What you need is one of our Petty Consumer Loans .   Could you tell me what the requirements are for that , please ?   Certainly . It's quite simple really . Do you hold a resident's permit ?   Yes , I do . I was born and bred here . 