<prompt> Human: like many I have credit card debt, I also have a car I need to get fixed, I wanted to know the best place to get a loan, besides going to a bank, I own my car since it was used, and the only credit I have established is from my credit cards, I would also like to get a loan to establish credit as well, since I dont have a car payments to do that for me, your wisdom will be most welcome Assistant: Why cant you go to a bank? Dont get a loan to build credit.Human: I have Chase they are strict on who they give loans to, one of my friends suggested opening an account with wells Fargo Assistant: You dont need an account to get a loan.Human: so what your saying is I can go into any bank and get a loan even if I dont have an account with them? Assistant: You can go into any bank and apply for a loan. They dont have to give you one.Human: They dont have to give me a loan?  <response>: No, banks dont have to give you a loan. You can apply for one, and they dont have to give it to you.Just like you can apply for a job, but might not be hired. 