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In addition, lenders use credit reports to set interest rates. Because there is no collateral to reduce risk, interest rates may be high. Equifax says interest rates on personal loans are similar to what consumers pay on credit card.

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It’s time consuming and offers no guarantee the toll payment will ever come. Now, a driver can go through one of the cash lanes to use a credit card, DeFebo said. Card readers were initially issued as a pilot program and were made.

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