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A personal loan is a type of loan that is issued by a lender to an individual borrower, rather than a business or organization. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.

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These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. Here are a few:. Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card.