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As the credit borrower makes payments on the loan, the credit limit becomes available again, allowing the borrower to borrow more money if needed. Once the credit borrower has been approved for the loan, they will need to sign a loan agreement, which outlines the terms of the loan, including the interest rate, repayment schedule, and any fees that may be associated with the loan. This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the parker borrower has.