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It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation. Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. The lender will hold onto the online loan funds until the loan is paid off, at which point the funds are released to the borrower.

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