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Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years. 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. To get a loan from a bank, the online borrower must first apply for the loan and provide the bank with information about their financial situation and credit history.

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