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Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose. Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years.

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There are two main types of revolving credit lines: secured and unsecured. A secured revolving credit line is one that is secured by collateral, such as a car or a house. Be sure to review the loans terms and conditions of the loan carefully before you agree to them.