What advice would you give to someone applying for a home renovation loan?

Stress levels are through the roof this month after multiple unexpected bills hit me all at once right before payday. Thought about borrowing from friends, but everyone is completely broke too, so I searched online for a quick money loan to cover the gap. First attempt failed because I typed my bank account number wrong, but I tried again right after correcting the typo and the cash cleared immediately. Really takes a huge weight off your shoulders during emergencies.