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Understand the difference between loans and lines of credit

How loans work: 

  • Apply for the loan
  • Receive the entire funds upfront
  • Pay it back over time

Personal loans are typically used for:

  • Major purchases
  • Debt consolidation
  • Auto
  • Recreational vehicles
  • Boat & Marine

How lines of credit work

  • Apply for the line of credit
  • Access your money as you need it
  • Pay it back over time on a schedule or pay interest only
  • Pay down the line of credit as often or as fast as you wish
  • Set up recurring transfers online to control extra payments

Lines of credit are typically used for:

  • Renovations
  • Unexpected expenses
  • Education
  • Wedding