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This can make a revolving credit line a more cost-effective option than a traditional loan, where the loans borrower pays interest on the entire loan amount regardless of whether they use all of the money. The personalized customer service and support offered by banks can also make the bad process of obtaining a loan a positive and seamless experience. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.

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