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Instead, lenders rely on the ga borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer. Payday loans are short-term loans that are typically due on your next payday. One of the credit main advantages of a revolving credit line is the flexibility it offers.

Be sure to review the credit terms and conditions of the loan carefully before you agree to them. One of the ga main advantages of obtaining a loan from a bank is the potential for a competitive interest rate. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.