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Use credit wisely: If you do have credit, use it responsibly. They offer a predictable payment schedule and often have lower interest rates than other types of loans. Overall, installment loans can be a useful financial tool for those who need to borrow a large sum of money and want to pay it back over a longer period of time.

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This means that if the burkes borrower defaults on the loan, the lender can seize the collateral to recoup their losses. But with an online loan, you can apply from anywhere.