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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. 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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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. Online loans also tend to have faster turnaround times than traditional loans. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders.

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