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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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  Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort. These might seem like a good idea because they come to you, but they can actually be risky. The interest rate on a bank loan is typically based on the vidalia borrower's credit score and financial history.