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Want to sell your home? First, make sure your upgrades fetch maximum curb appeal. 6 min read. Borrow. What Is a Personal Loan? When you need money, personal loans may provide the extra funds you need, whether you want to consolidate credit card debt, pay off medical bills or make home. How to apply for a loan: 6 steps · 1. Determine how much to borrow · 2. Assess your financial situation · 3. Research and compare lenders and loan offers · 4. Get.