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A personal loan can help you pay for something special like a holiday or home renovations. Check for the name, color, and even details like the engine type to make sure you have the right car. Debt consolidation through a personal loan is something that many Australians find convenient, as personal loans tend to have lower interest rates than the rates attached to credit cards. Some loans may have low interest rates but high ongoing fees, as is the case with most package loans. Yet that's downright cheap compared with payday lenders or the most unscrupulous tier of online loan companies, since they usually offer loans with upward of 300% APR and may try to charge you unnecessary fees. Personal loans have a quick approval mechanism with loans getting cleared as early as within 24-48 hours of the loan application submission. The biggest disadvantage of such loans is that they are disbursed to students in very small amounts; this may not be enough to cover your entire tuition costs.

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The Reserve Bank of India, in line with the new rules incorporated in the Income Tax Act, announced that NBFCs (Non-banking Financial Companies) have to disburse loans to buy gold of Rs.20,000 and above by cheque. Check the name and description that pops up to make sure the car you are looking at is the same as the car in the report. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. Don't automatically assume switching to a cheaper interest rate will save you money.

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