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Use credit wisely: If you do have credit, use it responsibly. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. 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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One of the loans main features of a revolving credit line is that the borrower only pays interest on the amount of money that they actually borrow. You may be able to access the loans funds as soon as the next business day.