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The APR on short-term loans might seem a bit high compared to your local bank, but that's because short-term lenders take on a higher risk to be able to lend to borrowers in need without collecting any collateral. When used responsibly, installment loans can be an excellent option to get fast cash if you're in a financial 

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Subject to credit approval, eligibility and credit qualifications. U.S. Bank Premier Loan and Premier Line of Credit are for existing U.S. Bank customers who prefer financing without using collateral. Approval for Premier Line of Credit and Reserve Line of Credit requires having a new or existing U.S. Bank Consumer Checking