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The Christmas Loan was created with the idea that we know some people borrow money to pay for Christmas, either by using loans or credit cards.

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Common personal loans include mortgage loans, car loans, home equity lines of credit, credit cards, installment loans and payday loans.The credit score of the borrower is a major component in and underwriting and interest rates of these loans.The monthly payments of personal loans can be decreased by selecting longer payment terms, but overall interest paid increases as well.