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A credit score is given by credit bureaus based on your credit behavior. If you are good at handling finances and have not generally defaulted on any of the payments, your credit score will be good. Since it shows your creditworthiness, the lenders evaluate the credit score and thus it becomes easy for you to get a loan.
You need to provide proper documents for availing a personal loan. After the checking of documents, the lender will check your creditworthiness which is also called a hard enquiry. Hard enquiries will have a further impact on your credit scores. If the lender has multiple hard enquiries, it can affect your credit score in a bad way.