Banks etc,are always willing to lend money
The problem arises trying to get the money back if you cant pay,so on things of value like houses etc it is easy to get a loan.
Living at home without a job you have no show.
My 2 sons were in the same boat-----CPL-H licence and cars.Thankfully i have only had to donate to a years car payments in the early stage of the loans but all is running ok now.
How did they get the loans.
I had to go garantee ,thus it was connected to my house loan ,thus leaving me in the sh-t if things went pear shaped.
Only consulation ,the boys got loans at house loan interest rates instead of personal loan interest rates.