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The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation.

While the online process of obtaining a loan from a bank may require the submission of a significant amount of documentation and potentially have more stringent eligibility requirements, the personalized customer service and support that banks offer can make the process worth it. Overall, getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate.