Getting credit can be a bit of a juggling act. On the one hand you want the credit report agency to see that you are using your credit responsibly and paying the bills when they are due, but you can only do that if take out credit to make the payments on. If you don't, then although the companies may not see you as a bad risk, they may not give you a good credit rating, simply because they have nothing to base a good rating on. This can make it very hard when you do apply for a large loan, such as for a house or car. So it may be beneficial to take out some credit, such as a credit card even if you do not actually need it. But you need to make sure that you ask the credit company how long before new loan shows on credit report. So that when you apply for the loan that you do need, that they can see the loan that you took out.
If you know how long before new loan shows on credit report then you can see when you need to take it out, so that you can make some payments to improve your credit rating. If you have a good payment history then it is a sign for the credit company that you are likely to be a good customer.
Of course there are other reasons that you may need to know how long before new loan shows on credit report, such as if you are taking out several different loans or credit cards at the same time. Some credit companies may see it in a negative light if you take too too many types of credit products at the same time.
Really there is not too much need to worry about how long before new loan shows on credit report, as this is only one aspect of your credit history. And if the credit report shows your loans in a way that makes you not likely to get more credit then it may be that it is actually not a good idea to apply again, until some of your existing credit is repaid. The credit report companies can only look at your credit history, so if you are dealing with your local bank and are refused, then it may well be worth speaking to them directly to see what that problem is and if there is any way that you can improve you credit rating in their eyes so that they can approve you loan.