25 Best Personal Loan Apps in India (2024)

Looking for the best personal loan apps in India? Read through this article!
Best-Personal-Loan-Apps

An unforeseen financial emergency can occur today, and we might need instant cash to handle these situations. Going to a regular bank could be a hassle, considering the paperwork banks require. In these situations, instant personal loan apps could be a saviour. We have picked the 25 best personal loan apps for any financial exigency. 

Our Top Picks

Best Overall - Tata Capital

Tata Capital is the best overall choice in our list due to its competitive interest rates, wide range of loan amounts, flexible repayment options, and quick disbursal process. Its online application process and various payment methods add to its convenience and accessibility.

Fastest Processing Time – Tata Capital 

Tata Capital is one of the best quick personal loan providers. Instant approval and quick disbursal make it a preferred choice for those in urgent need of funds. This expedited process can significantly reduce waiting times compared to traditional lending institutions.

Best Fast-Processing: Paysense

Paysense provides instant online personal loans with minimum documentation and no credit history. It has a fast processing time for personal loans.

Best Bank: IndusInd Bank

IndusInd is the best bank to get instant online personal loans at attractive rates with flexible repayment tenures. It has an easy application process and is completely hassle-free.

List of 25 Best Personal Loan Apps

Documents required for Personal Loan

Different lenders might require different documents, but some of the most common ones are-

  1. Identity Proof (Voter ID Card, Passport, Driving license, Aadhar Card, PAN Card etc.)

  2. Address Proof ( Utility bills, Rental Agreement, Bank Statement etc.)

  3. Income Proof (Salary slip, Tax Return, Business Documents etc.)

  4. Credit score or Report

  5. Proof of Employment

  6. Bank Statement for the past 3 months

Eligibility Criteria

  1. You must be an Indian citizen.

  2. You must be in the age group of 18-65 years.

  3. You must have a minimum monthly income of INR 15,000.

  4. You must have a permanent residential address in India.

  5. You must be employed or self-employed with a steady income.

  6. You must have a minimum credit score of 650.

How to apply for a loan on an app

  1. First, you should download the personal loan app.

  2. Create an account on the app by providing your basic information like name, phone number, email address, etc.

  3. After this, you must provide relevant employment, income, and credit history details.

  4. After providing all the information, you can apply for the loan. You can choose the loan amount and repayment tenure.

  5. Once you finish this, the lender will review your application and decide.

  6. Once your loan is approved, the amount you’ve applied for will be deposited in your bank account within 24-48 hours to a few days, depending on your chosen lender.

What criteria should I consider when choosing a personal loan app?

  1. The foremost thing to consider is the interest rates the lender charges. The lower the interest rate, the lesser interest you pay over the loan’s lifecycle. 

  2. Check the Repayment period the lender has and decide if you’re planning to return the loan within a shorter time period or if you’ll need a larger time frame to repay the loan and then choose accordingly.

  3. Some personal loan apps charge application fees, processing fees, late payment fees, and foreclosure fees. Take all this into consideration while deciding.

  4. Check the minimum and maximum loan amounts provided by various loan apps and decide which will fulfil your requirements and whether you can return the amount.

  5. Check the lender’s reputation, reliability, and trustworthiness before choosing.

  6. Check customer support of the personal loan app and its effectiveness because if you face any problem regarding your loan, customer service will help you out.

What happens if you miss a repayment

  1. A late payment fee will be charged, which might vary from lender to lender.

  2. Your credit score will be affected by this, and you’ll have a drop in your credit score.

  3. If you continue to miss your payments, the lender may take legal action against you.

  4. If you pledged any collateral to secure the loan, your lender may repossess the collateral.

Tips and Warning

  1. Compare different lenders before choosing anyone.

  2. Read the terms and conditions carefully before applying for the loan.

  3. Prepare the required information and documents before applying for the loan.

  4. Don’t pick and apply on the first app you see. Check various apps to find the best personal loan app for you.

  5. Have clarity about how much loan you want, for what purpose you plan to spend, and how much time you’ll require to return.

  6. Some personal loan apps require a good credit score, so maintain a good credit score.

  7. Personal loan apps are a quick and easy way to get money but also understand the associated risks.

  8. Beware of the high interest rates charged by some personal apps. So, check it well.

  9. Be sure to understand all terms and conditions. Know if there are any hidden charges.

  10. Some personal loan apps engage in predatory lending, so beware of those.

  11. A personal loan will affect your credit score, so be thoughtful.

Expert’s Opinion

Personal loan apps can be a convenient way to get quick and easy access to money but make sure you have done thorough research about the lender, interest rates charged, repayment tenure, and terms & conditions. And borrow as much as you can repay on time. It can help improve your credit score also.

List of 25 Best Personal Loan Apps

PaySense is an instant online personal loan app with minimum and paperless documentation and zero credit history to get a loan. It offers lower interest rates at affordable EMIs with flexible repayment tenure.

  • Interest Rate: 1.4-2.3% per month

  • Minimum Loan Amount: Rs. 5,000

  • Maximum Loan Amount: Rs. 5 lakhs

  • Repayment Tenure: 3-60 months

  • Documents Required: Proof of identity, income, and address.

  • Eligibility Criteria: Indian resident aged 21-60 years, Salaried and self-employed individual of a minimum income of Rs. 18,000 and 20,000, respectively.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing, late payment, and foreclosure fees are charged.

50Fin offers a digitised solution for Loan Against Mutual Funds for Indian Retail Investors.

Why 50Fin?

  • Approval in just 7 Minutes

  • 4 working hours loan disbursement

  • No CIBIL Score Required

  • 100% Digital

  • Zero Pre-closure Charges

Loan Amount

  • Up to ₹5Cr

Age

  • 18 - 65

Interest Rate

  • 11% per annum

Processing Fee

  • Starts from ₹999/- + GST

Loan Tenure

  • 12 Months  

Eligibility

  1. Any age group between 18 - 65 holding Mutual Funds Portfolio.
     

  2. Minimum Portfolio of ₹50,000 to take a Loan Against your Mutual Funds.

IndusInd Bank offers instant online personal loans to salaried individuals at competitive interest rates, flexible repayment terms, and tenure. It requires minimum documentation and provides a collateral-free loan.

  • Interest Rate: 11-30% per annum

  • Minimum Loan Amount: Rs. 30,000

  • Maximum Loan Amount: Rs. 5 lakhs

  • Repayment Tenure: 12-60 months

  • Documents Required: Proof of identity, income, and address.

  • Eligibility Criteria: Indian residents aged 21-60 with a minimum income of Rs. 15,000.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing fees, prepayment, foreclosure, and stamp duty are charged.

4. Aditya Birla Capital

Provides easy personal loans, with its online process requiring minimum documentation. It also allows you to transfer your existing personal loans from other NBFCs/Banks & credit card balances at an attractive rate.

  • Interest Rate: 13-28% per annum

  • Minimum Loan Amount: Rs. 1 lakh

  • Maximum Loan Amount: Rs. 50 Lakhs

  • Repayment Tenure: 1-7 years

  • Documents Required: last 3 months' bank statement and salary slips, KYC documents as requested.

  • Eligibility Criteria: All salaried employees aged 23-60 years.

  • Approval & Disbursal Time: 1-2 days for approval and 2-3 days for disbursement.

  • Other Fees Charged: Processing and foreclosure fees are charged.

5. Tata Capital

Tata Capital offers collateral-free personal loans to all salaried individuals at competitive rates and flexible repayment terms.  It is one of the most trustworthy names in the market.

  • Interest Rate: 11-28% per annum

  • Minimum Loan Amount: Rs. 40,000

  • Maximum Loan Amount: Rs. 35 lakhs

  • Repayment Tenure: 6-84 months

  • Documents Required: Proof of identity, income, and address; Employment certificate and salary slips.

  • Eligibility Criteria: All salaried employees aged 22-58 with a minimum income of Rs. 20,000 and a credit score of 750 or above.

  • Approval & Disbursal Time: 1-2 days for approval and 2-3 days for disbursal.

  • Other Fees Charged: Processing fees, late payment fees, and foreclosure fees are charged.

6. Moneyview

Moneyview personal loan app provides collateral-free loans to all salaried or self-employed individuals at competitive interest rates and flexible repayment terms. It doesn’t charge foreclosure fees but is applicable only after a certain number of EMIs.

  • Interest Rate: 16-22% per annum

  • Minimum Loan Amount: Rs. 5,000

  • Maximum Loan Amount: Rs. 5 Lakhs

  • Repayment Tenure: 3-60 months

  • Documents Required: Proof of identity, income, address, a mobile number linked to an Aadhaar Card, and a selfie.

  • Eligibility Criteria: Salaried or self-employed individuals aged 21-57 years with a minimum income of Rs. 13,500 and a minimum CIBIL score of 600.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing and late payment fees

7. Bajaj Finserv

Bajaj Finserv provides instant and 3 variants of personal loans with minimum documents at competitive interest rates and flexible terms. It is transparent about all the additional charges it has.

  • Interest Rate:  11-35% per annum

  • Minimum Loan Amount: Rs. 1 Lakh

  • Maximum Loan Amount: Rs. 40 lakhs

  • Repayment Tenure: 6-96 months

  • Documents Required: Proof of identity and income; Employee ID card and salary slip of the last 3 months. 

  • Eligibility Criteria: Indian resident and salaried employee aged 21-80 years with a minimum monthly salary of Rs. 25,001 with a CIBIL score of 685 or higher.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing fees, late payment fees, prepayment fees, and Stamp duty are charged. 

8. KreditBee

KreditBee provides instant personal loans for salaried, self-employed individuals and Flexi-personal loans at competitive rates. It’s quick to approve and disburse but has a lot of other additional charges.

  • Interest Rate:  15-30% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 4 Lakhs

  • Repayment Tenure: 3-24 months

  • Documents Required: Proof of Identity, Address, and Income; Employment proof and Selfie.

  • Eligibility Criteria: Indian citizen aged 21-50 years with a minimum income of more than Rs. 10,000 and 3 months of work experience in your current company.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing fees, Late payment fees, Convenience fees, Onboarding fees, Document collection fees, Credit Re-assessment fees, and Loan document fees are charged.

9. mPokket

mPokket provides instant and easy online personal loans to students and salaried and low-salaried individuals with minimum documents required.

  • Interest Rate: 17.5-30%  per annum

  • Minimum Loan Amount: Rs. 500

  • Maximum Loan Amount: Rs. 30,000

  • Repayment Tenure: 3 months

  • Documents Required: PAN Card, Aadhaar Card, latest salary slip, and bank statement of last 6 months.

  • Eligibility Criteria: Indian residents aged 18 years or above with a minimum salary of Rs. 9,000.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing and late payment fees.

10. Fibe

Fibe provides instant personal loans for all salaried Individuals with minimum documents required. It has flexible repayment terms and doesn’t charge any prepayment or foreclosure fees.

  • Interest Rate: 19-36% per annum

  • Minimum Loan Amount: Rs. 5,000

  • Maximum Loan Amount: Rs. 5 lakhs

  • Repayment Tenure: 3-24 months

  • Documents Required: Proof of identity, income, and address and Selfie.

  • Eligibility Criteria: Indian residents aged 21-55 years with a minimum salary of Rs. 18,000 and Rs. 15,000 in metro and non-metro cities.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing and late payment fees.

11. Home Credit

Home Credit offers instant personal loans with flexible repayment tenure and is 100% paperless. It is quick and easy which disburses money within a day.

  • Interest Rate: 24-34% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 5 Lakhs

  • Repayment Tenure:  6-48 months

  • Documents Required: Proof of identity, Address, and Net banking

  • Eligibility Criteria: Indian residents aged 19 years or above with a minimum income of Rs. 10,000.

  • Approval & Disbursal Time: within 1 day

  • Other Fees Charged: Processing and convenience fees

12. Lazypay

Lazypay provides quick and easy personal loans with no physical documents required. They offer loans with flexible EMI options and repayment tenure.

  • Interest Rate:  18-34% per annum

  • Minimum Loan Amount: Rs. 3,000

  • Maximum Loan Amount: Rs. 5 Lakhs

  • Repayment Tenure: 3-24 months

  • Documents Required: Proof of Identity, Address, and Income; Latest salary slip, bank statement of last 6 months.

  • Eligibility Criteria: Indian residents aged 18 years or above with a regular income.

  • Approval & Disbursal Time: Instant within 1 day

  • Other Fees Charged: Processing and late payment fees

13. Buddy Loan

Buddy Loan provides collateral-free personal loans to all salaried and self-employed business owners at competitive interest rates and flexible repayment terms.

  • Interest Rate:  Starting at 12% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 15 Lakhs

  • Repayment Tenure: 12 months to 5 years

  • Documents Required: PAN, Aadhaar, and Income Proof

  • Eligibility Criteria: Indian residents aged 21-57 years with a minimum salary of Rs. 18,000.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing fees charged

14. LoanFront

LoanFront provides a personal loan or advance salary for all your emergency needs before your next pay. It provides flexible credit, and the decision is taken within minutes.

  • Interest Rate:  12-36% per annum

  • Minimum Loan Amount: Rs. 1,500

  • Maximum Loan Amount: Rs. 2 Lakhs

  • Repayment Tenure: 62-160 days

  • Documents Required: PAN, Aadhaar, Income Proof, and a Selfie.

  • Eligibility Criteria: Indian residents above 21 years with a minimum monthly income of Rs. 15,000.

  • Approval & Disbursal Time: 15 minutes

  • Other Fees Charged: Technology & other related fees

15. SmartCoin

SmartCoin provides collateral-free personal loans to all middle and lower-income groups at competitive rates. The online process is seamless and requires minimum documents.

  • Interest Rate:  20-36% per annum

  • Minimum Loan Amount: Rs. 1,000

  • Maximum Loan Amount: Rs. 2 Lakhs

  • Repayment Tenure: 91-120 days

  • Documents Required: Proof of Identity, Address, Income, and a Selfie.

  • Eligibility Criteria: Indian residents aged 23 years with a minimum monthly salary of rs. 15,000.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing fees

16. Finnable

Finnable is an NBFC-licensed Fintech from RBI, which provides collateral-free personal loans to all salaried individuals. 

  • Interest Rate:  Starting at 16% per annum

  • Minimum Loan Amount: Rs. 50,000

  • Maximum Loan Amount: Rs. 10 Lakhs

  • Repayment Tenure: 6-60 months

  • Documents Required: Proof of  Identity, Address, Income, last 2 months' salary slips, and a current-dated salary certificate.

  • Eligibility Criteria: Indian residents aged 21-45 years with a minimum monthly income of Rs. 20,000 in Tier 1 and Rs. 15,000 in Tier 2 cities.

  • Approval & Disbursal Time: 6 hours

  • Other Fees Charged: Processing fees and interest on overdue EMIs.

17. Nira

Nira is partnered with various RBI-regulated NBFCs/Banks to facilitate instant personal loans to all salaried individuals. 

  • Interest Rate: 24-36% per annum

  • Minimum Loan Amount: Rs. 5,000

  • Maximum Loan Amount: Rs. 1 Lakh

  • Repayment Tenure: 3-24 months

  • Documents Required: Aadhaar, PAN, and bank statement for the last 3 months.

  • Eligibility Criteria: Indian citizens in the age group of 21-55 years with a minimum monthly income of Rs. 11,000 and have been working a minimum of 6 months.

  • Approval & Disbursal Time: 24 hours

  • Other Fees Charged: Processing fees, late payment, and prepayment penalties.

18. RapidRupee

RapidRupee provides personal loans to all salaried and self-employed individuals at competitive interest rates for all emergency needs. 

  • Interest Rate:  12-36% per annum

  • Minimum Loan Amount: Rs. 1,000

  • Maximum Loan Amount: Rs. 60,000

  • Repayment Tenure: 3-12 months

  • Documents Required: Aadhaar, PAN, and a Selfie.

  • Eligibility Criteria: An individual in the age group of 22-59 years with a minimum monthly income of Rs. 10,000.

  • Approval & Disbursal Time: 30 Minutes

  • Other Fees Charged: Processing fees

19. Truebalance

This personal loan app provides personal loans to all underbanked individuals with low credit scores instantly and charges higher rates to cover the risks.

  • Interest Rate: 60-154.8% per annum

  • Minimum Loan Amount: Rs. 1,000

  • Maximum Loan Amount: Rs. 1 Lakh

  • Repayment Tenure: 62 days to 6 months

  • Documents Required: Proof of Identity, Residence, and Income.

  • Eligibility Criteria: Individuals aged 18-60 years with a minimum monthly income of Rs. 5,000.

  • Approval & Disbursal Time: Instant

  • Other Fees Charged: Processing and late payment fees.

20. Mobicred

Mobicred provides instant personal loans to all salaried individuals with flexible repayment terms and without collateral. It does charge foreclosure fees.

  • Interest Rate:  12-30% per annum

  • Minimum Loan Amount: Rs. 8,000

  • Maximum Loan Amount: Rs. 1 Lakh

  • Repayment Tenure: 90-365 days

  • Documents Required: Proof of Identity, Residence, Income, Bank statement, and a Selfie.

  • Eligibility Criteria: Indian citizens aged 22-55 years with a minimum take-home salary of Rs. 15,000 and must have been working for at least 1 year.

  • Approval & Disbursal Time: 24 hours

  • Other Fees Charged: Processing and late payment fees

21. MoneyTap

MoneyTap provides personal loans to all salaried individuals at competitive rates and flexible repayment terms within minutes.

  • Interest Rate: 13-18% per annum

  • Minimum Loan Amount: Rs. 3,000

  • Maximum Loan Amount: Rs. 5 Lakhs

  • Repayment Tenure: 2-36 months

  • Documents Required: Proof of Identity, Residence, Income, and a Selfie.

  • Eligibility Criteria: Indian residents aged 23-55 years with a minimum monthly income of Rs. 30,000.

  • Approval & Disbursal Time: A few minutes

  • Other Fees Charged: Processing and late payment fees

22. Kissht

Kissht provides online and offline credit or personal loans to all individuals across India. It provides a speedy and hassle-free credit line.

  • Interest Rate: 14-28% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 1 Lakh

  • Repayment Tenure: 3-24 months

  • Documents Required: Proof of Identity, Residence, and Income.

  • Eligibility Criteria: Indian residents aged 21-60 years with a minimum monthly income of Rs. 15,000.

  • Approval & Disbursal Time: 10-15 minutes

  • Other Fees Charged: Processing and late payment fees

23. IndiaLends

IndiaLends provides easy online personal loans to all salaried and self-employed individuals at competitive interest rates and flexible repayment terms.

  • Interest Rate:  10.25-25% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 50 Lakhs

  • Repayment Tenure: 6-60 months

  • Documents Required: Proof of Identity, Residence, Income, Passport size photo, and bank statement of the last 6 months.

  • Eligibility Criteria: Indian residents aged 18-60 years with a minimum monthly income of Rs. 10,000.

  • Approval & Disbursal Time: 1-2 days

  • Other Fees Charged: Processing fees, Documentation charges, and amortisation schedule charges.

24. Navi

Navi provides instant personal loans to all salaried individuals at competitive interest rates with flexible repayment terms. It requires minimum documentation and disburses money within minutes.

  • Interest Rate: 9.9-45% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 20 Lakhs

  • Repayment Tenure: 3-72 months

  • Documents Required: PAN and Aadhaar card 

  • Eligibility Criteria: Indian citizens aged 21-65 years with a minimum household income of 3 lakhs per annum with a CIBIL score of more than 650.

  • Approval & Disbursal Time: 1 hour

  • Other Fees Charged: Processing and late payment fees

25. Zype

Zype provides instant personal loans to all salaried individuals with easy application and no document uploads. It disburses the amount within minutes and has flexible repayment terms.

  • Interest Rate: 9.5-34% per annum

  • Minimum Loan Amount: Rs. 10,000

  • Maximum Loan Amount: Rs. 5 Lakhs

  • Repayment Tenure: 12-72 months

  • Documents Required: PAN and Aadhaar card 

  • Eligibility Criteria: Salaried individuals aged 18 years or above with a valid PAN and Aadhaar card.

  • Approval & Disbursal Time: Within minutes

  • Other Fees Charged: Late payment fees

FAQs

1. How does the interest rate on personal loan apps compare with traditional banks?

Interest rates on personal loan apps vary depending on the lender and borrower’s credit score. However, the rates charged are slightly higher than what is charged by a traditional bank.

2. What is the maximum loan amount I can get through these apps?

Maximum loan amount varies from app to app and also on your credit score. However, most of the apps offer up to INR 5 lakhs, and some even offer up to INR 50 lacs.

3. How quickly can I expect to receive the loan amount after approval?

After loan approval, you can expect to receive funds within 24-48 hours.

4. What are the repayment options on these personal loan apps?

Repayment options on personal loan apps vary depending on the lender. However, most of the apps have the following repayment options- EMIs, Bullet repayment, and Flexi repayment.

5. Are there any prepayment penalties if I choose to pay back my loan early?

Some personal loan apps have prepayment penalties, while others don’t. Check and understand the terms & conditions of the loan properly and know if the particular app imposes prepayment penalties.

6. How secure are these personal loan apps?

Generally, personal loan apps are considered safe and secure. But choose a reputable lender, and you can always look for the following security features- Encryption, Two-factor authentication, and Physical address.

7. Can I use multiple personal loan apps at the same time?

Yes, you can use multiple personal loan apps at the same time. Make sure you compare interest rates and everything else and then borrow as much as you can repay.

8. What is the customer support like for these apps?

It varies depending on the lender. However, most of the apps have 24/7 customer support through phone, email, and live chat.

9. Can I increase my loan amount after approval?

No, you cannot increase your loan amount after approval. However, you may be able to refinance your loan if your financial situation improves.

10. How do these apps determine the interest rate for my loan?

It is determined by considering many factors, like your credit score, income, and debt-to-income ratio. Lenders can consider your employment history and other relevant financial information.

11. Can I apply for a loan with a low credit score?

Yes, you can. However, you may be approved for a lower loan amount at a higher interest rate.

12. How do these apps affect my credit score?

If you’re approved for the loan and make your payments on time, it will improve your credit score.

13. Can I negotiate the terms of my loan on these apps?

In some cases, you may be able to negotiate the terms of your loan, like interest rate and repayment tenure, but not always.

14. Do these apps offer loans to self-employed individuals?

Yes, some apps offer loans to self-employed individuals, but their terms and conditions could differ from those of salaried individuals.

15. What is the tenure range for loans on these apps?

It varies depending on the app, but most of the apps offer 12-60 months of repayment tenure.

16. Are there any hidden fees when using these personal loan apps?

Yes, some of the apps have hidden charges, like processing fees, late payment fees, and prepayment penalties. That’s why it’s important to read and understand the terms & conditions before applying for a loan.

17. Can I track my loan repayment schedule on these apps?

Yes, most of the apps allow you to track your repayment schedules on the apps. It is usually done through the app’s dashboard, showing relevant details, like your current balance, monthly payments, and due dates.

18. Are there any special offers or discounts for first-time users?

Yes, some of the personal apps have special offers or discounts for first-time users, like lower interest rates, no processing fees, and waived-off late payment fees. So, it’s good to check the offer with the app.

19. How reliable are the reviews for these personal loan apps?

Reviews are very helpful to get a fair idea of what other people have experienced. But be careful to know which review seems genuine or fake.

20. Best personal loan app for people who are not salaried

These personal loan apps are specifically designed for non-salaried individuals with more flexible repayment terms. Some of these apps are- MoneyTap, KrazyBee, and more.

Conclusion:

Hopefully, this article answers all your queries regarding choosing the best personal loan app and what things to remember while choosing one. We hope this article helps you make an informed decision.

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