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But with an online loan, you can apply from anywhere. You can get a free copy of your credit report from each of the new three major credit bureaus (Equifax, Experian, and TransUnion) once a year. There are two main types of revolving credit lines: secured and unsecured.

Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose. Learn more about managing your credit and improving your credit score.