Proportion of loan balance to loan amounts too high?

[Jesse Soriano]

I cant get pre approved for any credit card offers because I have have a pretty recent loan under a year old on my report. It’s reports from on “discretion box” as “my loan balance to my loan amounts is too high”. Meaning that my loan amount was $15,000 and I only paid $1,000 so far so I still owe $14,000.

My question is does the 35% utilization rule apply to personal loans as well? What amount should I aim to pay down my loan to so this does not affect my credit application process to getting new funding?