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A personal loan can help cover immediate or unexpected expenses, such as an auto or large home appliance repair. Once you make the decision to apply for a loan, you agree to pay back the amount you borrowed (the principal), plus the interest and fees. The four common types of loans are installment, payday, title, and 

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Feb 16, 2018 Payday borrowers typically have checking accounts — they must show regular deposits as collateral for the loans — and many say they would prefer to borrow from their own bank if they could qualify, Mr. Horowitz said. (Some banks do offer small personal loans already, but generally to borrowers with