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A number of factors are considered before you are issued a bank loan. One of the factors being your credit score or rating. If you have a low credit score then you will not be issued a loan even if your have a crb clearance certificate. Therefore, you need to consult your bank about your credit score.
Login to NTSA TIMS portal and check whether your details are available in the TIMS portal. If there are, then you can apply for Smart DL.
We have responded to a similar question about how long it takes to use the facility after changing on this page: How long does change of outpatient facility take to be active?
Whether you will get a loan or not after clearing your default status depends on your credit score and rating. Loaning institution will consider your credit score and other financial factors to decide whether you are eligible for a loan.
Yes, you will get a course if you apply during the first revision of courses. Take note of when the revision of courses will be open and apply for a course.