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- It takes only few times to complete all processes. That means you haven't wait for a long time and can save your time to do other things. When you need money quickly, you may not have many options when you have bad credit. However, you can get a short-term. As soon as your loan is approved: Personal loans can be a godsend when you face a huge tax bill, an unexpected car repair bill, or another large expense. But you might be wondering if a personal loan is even possible if you've had the misfortune of having bad credit.
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