If you want to borrow money by cashing, whether or not it is to unify the loan, you must pass the screening provided by the financial company. Since financial companies want to know the repayment ability of their customers, they use a method called a scoring system to examine their ability on average under the same conditions. The attributes of the lender’s customers include age, family structure, place of employment and size, years of service, and whether or not they own a house. The number of loans from other financial companies is important in the examination of such loans. Of course, annual income and total repayment amount are important, but the number of borrowings from other companies may be heavier than that. Therefore, the number of borrowings cannot be ignored. Before considering the unification of loans, it is also necessary to organize by reducing the loans received. If you have a lot of small loans, you can pay off the other with the loan funds from one. If you do not borrow from more than two companies, you will be considered to have high credit and you will have more options for unification. People with 3 or 4 loans tend to want to unify their loans. Since financial companies are also accustomed to dealing with loans, it can be said that it is easy to borrow money because the examination for unifying loans is appropriate. If the number of loans is 5 or more, it will be located beyond the border line and it will be difficult to obtain new loans.