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Finally, banks may not be able to offer the online same level of personalized customer service as some alternative lenders, such as online lenders or credit unions. Gather the loans required information: Most payday loan lenders will require you to provide some basic personal and financial information in order to apply for a loan. A revolving credit line, also known as a line of credit or a credit limit, is a type of loan that allows the loans borrower to access a predetermined amount of money as needed.