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Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. This can be especially beneficial for those who are trying to improve their credit or who have a limited credit history.

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. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders.

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