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  We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc.

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  These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the loans APR on a credit card cash advance is typically around 25% or higher.

  But with an online loan, you can apply from anywhere. However, there are also some potential drawbacks to getting a loan from a bank. The bank will then review this information to determine the me borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate.

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