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Personal loans are a popular way to consolidate debt, or to pay for expenses you didn't plan for such as taxes due, education expenses, household repairs, medical debt, weddings, home improvement bills, moving costs, and all of those other things that life seems to have a way of throwing at us when we least expect it!

The advantages of personal loans? There are several. First, there are a variety of loans available to those with good credit as well as those with bad credit. Of course, the interest rate you'll pay will depend in part on your credit scores. The better your credit, the easier it will be to get a low interest rate. But don't give up if your credit is less than perfect: there may still be loans available.