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Hello, and thank you for your question. You can get personals loans in amounts as low as $1,000. Your approval depends on your credit rating and income. Personal loans can be better than credit cards, even for small amounts, because they usually come with fixed interest rates and payments. That means you have a definite end to your debt (unlike with a credit card), and it makes budgeting easier. It's Read More

Hello, and thank you for your question. You can always apply for a loan. And while 68% is high for utilization, it's only one part of your entire credit picture. In fact, utilization comprises 30% of your FICO score. The rest of it depends on your credit history, length of history, new accounts and inquiries and mix of credit. The higher your credit score, the more choices in personal loans you'll Read More

Thank you for your question. One advantage of personal loans is their speedy application process and delivery. In many cases, you can get your conditional approval within one business day and your money within a week. Some lenders offer "same day" funding for highly-qualified applicants and also those with whom they ave done business before.   Read More