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However, if your credit isn’t where you want it to be, then beginning with a peer-to-peer lender may be higher for you. If you’ve good credit and a strong reimbursement history, then start along with your bank to see what fee you’re offered. Plus, banks typically give pre-existing prospects unique advantages for borrowing with them again, like prolonged grace durations or rate of interest reductions. Home equity loans are lump-sum secured loans that use your house as collateral. Because of this, you’ll be able to normally expect a decrease interest rate than with a private loan. Founded in 2011 as…