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ECOA and Regulation B require creditors to notify applicants of adverse actions taken in connection with an application for credit.
You'll also be asked by the bank to fill out a standard loan form, on which the expectation of a personal guarantee will be raised.
It is this "balloon payment" that can cause a cycle of debt in which borrowers are forced to constantly refinance loans with new fees when they cannot pay back the original loan.
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Tech-savvy Millennials no longer have to deal with the hassles of going to banks and haggling for low interest rates on personal loans.
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