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The lender will be granting you the amount via his website where you will not be engaged in any sort of tedious and lengthy formal rituals.
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Just because you have been reported to a credit bureau does not mean that you should shy away from applying for a loan because you know that a credit check will be done before a loan is granted to you.
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Substantially repayable means that the substantial majority of the loan or advance is required to be repaid within 45 days of consummation or advance, as the case may be.
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