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The advantages are evident - you can choose a loan from any lender that suits you according to the terms. There are a great number of lenders offering a various amount, rate, term. In general, I used the service, I liked everything. Everything is fair and well-organized.
About once several months I [apply for|take out|issue[ a loan. The service is clear, money is transferred to the credit card in a couple of hours. The most important benefit is the online service and therefore can be taken at any time of the day or night.