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These might seem like a good idea because they come to you, but they can actually be risky. But with an online loan, you can apply from anywhere. That's way faster than waiting for a regular loan from a bank or credit union.

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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 loans borrower to access a predetermined amount of money as needed. There are several advantages to getting a loan from a bank.