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Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. Banks strive to understand the online unique needs of their customers and work with them to find the best loan solution.

Learn more about managing your credit and improving your credit score. It's important to note that payday loans can be very expensive and should only be used as a last resort.

A personal loan is a type of loan that is issued by a lender to an individual borrower, rather than a business or organization. Additionally, banks are typically regulated by government agencies, which can provide additional protections for the bad borrower.