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An unsecured loan can be used for almost anything - a relaxing holiday, a new car, a wedding, debt consolidation or home improvements. These are just some of the reasons why people choose an unsecured loan. So Many Loans, So Little Time If you find yourself in need of poor credit loans, there are many online companies just dying to help you out. But is it really help they're offering, or just a bigger hole to dig out of?Poor credit loans come in all shapes and sizes. Factoring vs. Bank Loans Is factoring a type of loan?No. Even though invoice factoring is commonly referred to as " factoring loans", it is a financial practice involving a B2B transaction, but no bank. 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