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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. Personal loans can be used for a variety of purposes, such as consolidating debt, financing a home improvement project, or paying for unexpected expenses.

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This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets. As the online borrower makes payments on the loan, the credit limit becomes available again, allowing the borrower to borrow more money if needed.