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That makes it very easy to comparison shop and find the best deal. And with most lenders, you are able to finish everything online. You will not end up in debt for 30 years. With a credit card, far too many people end up paying just the minimum due. Most personal loans are 36 or 60 months. You would not be able to borrow  MOHELA HomepagePersonal Loans Online & No Faxing & Compare 3 Month Payday lenders for cash advances Use this online financial calculator to compare two loans. Choose the loan with the best value for the term that works for you.