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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
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Only online applications are considered. Why. Because vetting of your application also happens online. This means your ID is scanned on all credit bureaus to ascertain risk, online.