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Once the nebraska 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. One of the benkelman main advantages of obtaining a loan from a bank is the potential for a competitive interest rate. Banks also often have a wide range of loan products to choose from, so the loans borrower can find a loan that meets their specific needs.