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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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  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. If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Payday lenders, on the cofield other hand, often require the borrower to have a certain credit score and may also require proof of income and employment.