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Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. One option you might consider is a secured credit card, which requires a deposit as collateral. Check out reviews and compare terms and fees from several different lenders before you decide which one to use.

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Online loans, also known as digital loans or internet loans, are a convenient and flexible way to borrow money. 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.