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Personal Loan

If you need money, and do not have any collateral, such as a home, you may want to consider a personal loan. Use the form to the right to inquire about a personal loan today.

Do you need collateral for a personal loan?
Many lenders do not require any collateral for a personal loan, which can be convenient for those just starting out, getting divorced or who do not wish to pledge collateral for any reason.

Is a personal loan like a credit card?
Some personal loans work like a credit card in that it is a revolving line of credit -- when you pay down part of the personal loan balance, you can borrow that money again. A lender may issue the borrower checks to use for borrowing money, and some may even offer debit cards for their customers to use to access funds. Other types of loan products may be non-revolving, meaning that once you pay down some of the loan amount, it cannot be re-used. Speak with your lender about the specifics regarding the revovling/non-revolving nature of their loan programs.

The interest rate you pay on a personal loan is determined in part by your credit report & credit score. Credit reporting agencies offer programs to get your credit score and monitor your credit:

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