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This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets. That's way faster than waiting for a regular loan from a bank or credit union. This means that there may be fewer protections in place to ensure that consumers are treated fairly.

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One of the ne main benefits of online loans is their accessibility. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.