What comes in a personal loan package is personal information that banks and other financial institutions collect about its clients. Financial information about a client includes his or her credit score, financial employment history, the amount of money that he or she has in savings, checking accounts, stocks, and other financial assets, his or her current debts, and other types of information that indicate the risk of lending money to that person. These details are then taken into account when a bank decides whether or not to give that person a loan.