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Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans. Personal loans can be used for a variety of purposes, such as consolidating debt, financing a home improvement project, or paying for unexpected expenses. Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose.

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A revolving credit line, also known as a line of credit or a credit limit, is a type of loan that allows the bad borrower to access a predetermined amount of money as needed. Installment loans can also help borrowers to build or improve their credit score.