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For example, many online lenders do not require a minimum credit score or collateral. Just be sure to do your research and compare offers from multiple lenders before you decide which one to use.

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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. One of the ne main benefits is the potential for a lower interest rate, which can result in lower monthly payments and save the borrower money over the life of the loan.