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Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose.

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If you're considering a payday loan, make sure you understand the credit terms and conditions and can afford to pay it back before you accept the loan. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the bad APR on a credit card cash advance is typically around 25% or higher. But with an online loan, you can apply from anywhere.

This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments. Online loans are also very flexible when it comes to who can apply.