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Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay.

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While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay. This can be especially beneficial for those who are trying to improve their credit or who have a limited credit history. Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments.