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You can all the time get prequalified with on-line lenders if you’d like an estimate in your loan rates and fees. Some unsecured loans also require excessive origination fees — a few lenders cost up to 6% of the loan quantity in fees. Just do not forget that these options have considerably larger rates than secured loans. So you’ll need to reign in the quantity you’re borrowing as much as potential and stay on top of your funds. And the credit line is available for up to 10 years,” Leever says.

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