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Online loans also tend to have faster turnaround times than traditional loans. But with an online loan, you can apply from anywhere. A personal loan is a type of loan that is issued by a lender to an individual borrower, rather than a business or organization.

Instead, try to pay your balances in full each month and only charge what you can afford to pay off. The application process can be time-consuming and may require the bad borrower to provide a significant amount of documentation.

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