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LoansForever is a reputed online lender that provides a wide variety of short-term loans. You can apply for them even if your credit history is not so stellar. The lender will charge the most affordable interest rates and determine the loan amount based on your income. You do not need to have fear of losing your credit score as the lender will run a soft credit check. No soft inquiries will show up on your credit report. You also do not need a guarantor and collateral.