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We all know that quick personal loans are an easy way to borrow money for any planned or unplanned expenses. You may get instant loan approval with lower interest rates than credit cards. Since you may pay off your borrowed loan amount in EMIs spread across months or years, you may use a personal loan to make big-ticket expenses like vacation, wedding, education, home renovation, medical emergency, or debt consolidation.

If you are already indebted under credit card bills, home loans, and others, the last thing you want to do is to take more loans and increase your debt. However, it is common for people to apply for a personal loan for debt consolidation to pay off the existing, high-interest loans. Preferably, the new personal loan that you borrow has a lower rate of interest, which you can repay easily over a new loan term.

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