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If you're considering a payday loan, make sure you understand the online terms and conditions and can afford to pay it back before you accept the loan. In addition to a wide range of loan options, banks are also typically regulated by government agencies, providing an extra layer of protection for the courtland borrower. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

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