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Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. Using a secured credit card responsibly can help you build or rebuild your credit.

Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose.

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However, there are also some potential drawbacks to getting a loan from a bank. One of the credit main advantages is the lower cost. One of the credit main features of a revolving credit line is that the borrower only pays interest on the amount of money that they actually borrow.