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A single low-interest rate loan, spread out over a longer term, can drastically reduce the amount you pay each month. Simply start, send your form and get funds deposited into your account in no time. Your lower monthly payment is usually the result of a longer payment term, not just a lower interest rate.

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Not all lenders can provide the advertised loan amount. Settlement has big risks, though, including big fees, damage to your credit score, and tax liability. Consider refinancing if you have: As a condition of extending credit, some, but not all lenders may run a credit check.

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