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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. 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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A lower interest rate can result in lower monthly payments and ultimately save the michigan borrower money over the life of the loan. This can result in the bad cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly. This can be especially useful for those who may not have the credit funds to repay a payday loan in a single lump sum.