In addition, you can go for a more loyal repayment plan paying by four parts with 0%. Personal Loans Four related loans like Lendly July 10, 2022 Online lender "Lendly" provides small loans between $1,000 and $2,000 to borrowers. Is it possible to borrow less than the minimum? Upstart offers sums ranging from $1,000 to $50,000 and never requires a minimum credit score. Free access to credit scores with the help of users Best Egg accounts, Chance to build up credit score with regular payments. Rise Credit can be an alternative to Lendly Loans for those who want to borrow a large amount but cannot qualify with other lenders. 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Upstart works in every state except Iowa. Brigit is another app for those who want to get small advances or build a credit history through small loans. To prevent getting caught unawares by exorbitant repayment fees, always ask for a complete computation before signing up. The company Upgrade provides a lot for an average borrower. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. This assessment will be visible to all investors, after which they can choose you as a borrower and offer you their loan terms. Founded over 50 years ago, the company has become a trusted name in the industry. However, the loan repayments period will always be the same, as MoneyLion lends money until your next payday. You can choose other financial institutions if you dont like all the terms offered by Lendly Loans. Blue Trust Loans Best for Installment Loans, 5. Spot loan is one of Lendly loans alternatives famous for short-term solutions up to $800 and is not too heavy on fees. Prosper is a great lender for those who need to borrow a large amount of money for up to 5 years. You can check your rate for free, through an online application form. Complete our quick and easy step by step online application in minutes. These are common reasons borrowers would use a NetCredit loan product. The app works for residents of all states. Many of these companies dont care about ones bad credit rating or financial standing. Green Loans are available in 48 states (exceptions are IA and ID). Next, a painless application and approval process make Lendly loans so great. Because of this, some users prefer to use safer alternatives. It funds you in 2 business days and needs nothing but valid bank accounts, ID, drivers license, and a minimum yearly income of $12,000 for application. To place an application, you need a Social Security Number, ID, active bank accounts, personal and address data, and proof of income. Reviews pending . Lendly loans are perfect for those who struggle with qualifying for other loans and seek adequate loan repayment terms and conditions. Users can be burdened with a 0.99% to 8.99% origination fee and a $15 returned check fee. Essentially, the lender can be summed up with these advantages and disadvantages: Another option similar to Lendly loans is Speedy Cash, with its application opportunities over the telephone, in-store locations, or online. Most of Lendlys APRs reach 200%, which is a competitive interest compared to many other lenders. That's why we provide features like your Approval Odds and savings estimates. This app has only one disadvantage. So if you take out a Possible loan and make your payments on time, you may be able to build or improve your credit history. Compared to payday loans, Lendly Loans has a low APR. You can borrow money from this company even if your credit score exceeds 600 points. The Lendlys APRs go from 99% to 199% but charges no additional fees; thats why sometimes credit cards may be a cheaper alternative. Now, they have offices in 11 other states in the country. After that, you have to wait about 24 hours to get an answer from the company, which is one of the disadvantages of the company compared to other online lenders. Here you can get a small loan ranging from $100 to $865 for a few weeks until your next paycheck. For Lendly loans that are not paid with a direct payroll deposit, APR can rise to 220%. eCreditDaily Online Loans Available at As Low as $30.00 Savings on our personal loans: $445.00 We offer installment loans of up to $6,000. For example, if you want to lend less than a thousand dollars or more than $2,000, you should choose another alternative option. Lendlys loans can be good, but if you dont get accepted, its not a problem. It usually takes a few minutes to register, as it doesnt require a credit check, only entering your personal information and connecting your bank account. Convenient Funding Receive your funds via direct deposit - you could get your money in less than 1 business day. Our online application process is simple and straight forward. However, this small range is one of the disadvantages of the company because many borrowers want to borrow larger or smaller amounts. Visit the Lendly loans registration page: www.getlendly.com; Enter your Surname, DOB, and Driver' License Number. Viva Payday Loans is an excellent financial service mainly because they arent direct lenders. It usually takes up to one business day from when your application is approved to the moment funds are credited to your account. If you'd like to discuss your particular loan in more detail, please don't hesitate to give us a call at 1.844.4LENDLY (1.844.453.6359)." AN. How to apply for a loan Applying for a personal loan online is easy and quick it will take about 5-10 minutes. No. Plus, you can always pay your loan off early, without a prepayment penalty. Lendly Loan. However, at the same time, they do not like that loans from Rise are more expensive than usual, as the standard APR for installment loans should be up to 36%. You want to borrow more than $1,000 or less than $2,000. Here are just a few things people spend on when they apply for loans: Except for holiday loans, commonly requested by parents who want to give their children something special for Christmas, most people apply for loans like Lendly for important necessities. In addition, Check Into Cash offers installment loans of up to $5,000 in some states. Here are five companies that offer the very same loans like Lendly and much more. No credit check is usually required, and minimum credit scores are rarely stated. However, this can be done online now, which is a more efficient way for both the borrower and the creditor. Check n Go does not conduct credit checks, which is an advantage, and it also responds to your loan application within one hour. Lendly is a personal loan lender that offers loans of up to $2,000. If you wonder if you can qualify for a loan, the first requirement to check is the minimum credit score it should not be less than 600. In addition, Lendly loans are great alternatives to average payday loans because of Lendlys rates: Lendlys APRs can reach 1,000%. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|. Loans are not limited to high-score borrowers, making it easier to qualify. Active duty service members and their covered dependents are eligible to apply for a loan via Lendly Loan. You can apply even if your score is 300. Financial insecurity is a real problem many are going through these days. Fit My Money provides professional research, comparison, reviews and unbiased opinions on multiple financial topics. Users undergo hard credit pull but set no lower credit score limit to apply. or residents of the United States take small cash loans each year, and the tendency seems to grow. You wont need a credit check to get a loan, which means you can qualify without a credit history. They now have a total of 2.5 million clients scattered over 29 states. Bright Lending loans are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution. There are plans for 3 up to 60 months. Their rates fall within the limits of The Military Lending Act. You live in states where the company does not operate. The absence of fees makes the provider a good option. The estimated APR is 5.42% to 35.99%, and loans are given with terms to repay for 3 to 5 years. We collected a list of worthy alternatives and will tell you about each of them in this guide. It functions in 28 states of the US, including Ohio, Oklahoma, Illinois, Alabama, Texas, Colorado, Mississippi, Missouri, New Mexico, Nevada, South Carolina, and Wisconsin. No. Lendly Loan Review, Employee Loans, No Credit Needed Loan For Select Jobs, & Available in (FL,LA,AZ,TX,CA, MI, MS,NE, IN, KY, OH,DE,TN,WI, WA,UT,OK,AR, IL) W. Lendly, , and the rest of the financial services mentioned above have seen the difficulty many hardworking Americans go through as they live paycheck to paycheck. At fitmymoney.com, we are committed to providing advice and services that are in our users best interests. Lendly is a company that offers loans of up to $2,000 to its customers. Its loan offers come at loan repayment terms of up to 10 months, but most expect repayment in a few months. Term lengths: 36 or 60 months. Rise Credit operates in 30 states in the United States. It was estimated that up to 13 million citizens or residents of the United States take small cash loans each year, and the tendency seems to grow. We offer a range of features designed to help you make informed decisions about your money-related matters, such as budgeting, debt management, saving for retirement, and more. This date may not reflect recent changes in individual terms. Unfortunately, the non-disclosure of the APRs and other fees is a bit too worrying for many. Lendly Loans wants to help its customers build a positive credit history, so every month, it reports all their payments to Equifax, one of the three major credit bureaus. They also have a one-day guaranteed turn-around time and have friendlier policies such as no credit check and no guarantor required. Check 'n Go is very similar to Lendly Loans and can be a great alternative to this app for those who need credit not for a few months but until the next paycheck. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person. Once you get to vivapaydayloans.com, click on the amount you plan to borrow, move the slider to your preferred loan term, and click on the Request Funds button. What is the minimum credit score you will accept? It is also important to note that your credit rating will not drop when you first apply because Lendly Loans does not do hard credit checks. Lendly is not the only company offering payday loans. To be eligible, you'll need to have a minimum credit score of 585 and a minimum annual income of $20,000. However, if you make your monthly payments on time, it will soon increase. Their association with CCBank is a great advantage to them and their clients. Over the past few years, the Lendly Loans platform, which offers payday loans of $1,000 to $2,000, has been steadily gaining popularity. All Rights Reserved. Note that these financial institutions provide different types of loans like Lendly, so they may have very different interest rates, fees, and amounts you can borrow. The Reward-a-Friend program and the no pre-payment penalty policy may be good enough reasons to go for AmeriCash. Here are some examples of fees and rates for loans from eCreditDaily Online. Loans are provided by unaffiliated third-party lenders First Financial Loan Company, LLC, or First Star Financial, LLC pursuant to the Texas Finance Code, Chapter 393. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607, Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, Good for building credit: Possible Finance, What to watch out for with loans like Lendly, Read our LightStream app review to learn more, 4 best short-term loans for emergency money needs. Can I get a hardship loan for money troubles? Lendly might be an option if you need some quick cash to cover a financial emergency, but Lendlys APRs are high soaring well into triple digits. People choose them when unexpected expenses need to be made, and their own income is not enough, or they cant afford to spend the last penny. Overall, Upstart can be a great alternative to Lendly Loans for those who want to borrow a significant amount for several years. There will be a screen with a notice that you could save up to 35% on the total cost if you work for one approved employer. To keep the website free and continue providing valuable content, we get compensation from the companies listed and/or featured on the site. Those who are applying online may be asked to provide debit card information and authorization to draw money for auto-payments. Here's what you need to know if you're considering a Lendly loan. Are there any early repayment penalties in Lendly? Lendly Loans is a company founded almost five years ago that provides small loans of up to $2,000. In addition, it offers credit-builder loans of up to $250 at 0% interest and charges no additional costs other than a monthly subscription fee of $9.99. At the APR of 9.95% to 35.95%, it offers loans from $2,000 to $35,000 to those whose credit score is at least 550. It is best to select alternatives when: You can also choose any other financial institution if you are not sure if Lendly Loans retains and shares your information with others. Brokers like Viva Payday Loans will look for the best terms (APRs, term length, etc.) They range from 20 to 52 payments twice a week. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. With us, you'll repay your loan over time from 10 to 26 months depending on your loan amount. Thats why, if you live somewhere outside those territories, youd better borrow money from a bank, federal credit union, or another online lender. 2. In most cases, people who borrow from Lendly set up automatic loan repayments directly from their paychecks or from their bank accounts via ACH withdrawal. Fees depend on the specific lender. You must have at least 560 FICO points to borrow from this company. Loans like Lendly: 5 Best Alternatives - Coinrevolution In this article, we'll talk about Loans like Lendly alternatives and highlight some of the best options. Also, it offers a wide range of payback terms with no prepayment penalties. LENDUP.com does not make any loan or credit decisions and is not a lender. You can borrow up to $500 without a credit check. Thousands of employers have used Shortlister to find their ideal Employee Loans Solutions. It is a fast-running application along with quick funding. Lendly is considered a respectable financial service that provides appealing deals to their clients, such as personal loans with flexible terms. As indicated by their site, for a long time, numerous Americans have needed monetary help, however, neglected to fi. Of course, a payday loan is the fastest way to get cash here. Typically, investors lend at 6.99% 35.99% APR for up to 5 years, with the origination fee being 1% to 5%. You can read our full review of Lendlys loans if you want to learn more. range from poor to excellent. Owned by a member of the Chippewa Indians, the company operates under the laws made by sovereign Native American tribes. Customers with credit difficulties should seek credit counseling. Why OppLoans stands out: You wont have to wait long to receive funds from OppLoans, which offers loans between $500 and $4,000. Among Lendly loans dupes, it offers loans in sizes $1,000 to $50,000, grants fast funding, loyal credit requirements, and affordable fixed interest rates for users with a credit score of at least 560. Credits and loans are in great demand among Americans. While Lendly provides good deals, for the most part, they arent the perfect choice for most people. For those who think that Lendly does not suit their needs because of its excessive minimum or lengthy loan terms, here are some of the best alternatives to choose from: Headquartered in Gloucester Street, London, England, Viva Payday Loans is a brokerage service that acts as a liaison between borrowers and direct lenders. Read the details about how each one works to choose the best option. Although the information we share is based on thorough research, it doesnt constitute solely professional or legal advice, thus shouldnt be treated as such. All in all, these amounts dont make much sense. Loan funds will then be deposited into your account within one, two, or three business days. While Lendly and financial services offering loans like Lendly are more accommodating to those with bad credit, they do ask for basic requirements. Moreover, it is an "approved servicer" of a CCBank bank which implies that you effectively receive the CCBank credit, and Lendly is the intermediary. One of the main differences is that instead of paying back what you owe with interest and/or fees by your next pay date, your payments will be spread out . The company does not charge any additional fees. Prosper is a personal loans lender that can lend from $2,000 to $50,000 to users whose FICO score exceeds 560 points. No, you can only get the next loan after you pay back the previous one. Get Money. Workplace culture at Lendly is fairly laid-back, family-like almost. Who is Lendly? Why LightStream stands out: LightStream has a competitive rates program that can help you save on interest charges. Please note a 4% origination fee will be charged with each installment loan 1. All you need to do is fill out a prequalification application on the companys website, give your name, address, phone number, and Social Security number, and the app will show you offers from dozens of lenders willing to lend you money. Money is given to those with at least 6 months of job history. Every borrower undergoes identity and income verification, as well as soft credit pull, and is deposited funds in 1 to 3 business days. Lendly is an online lender that offers small loans of up to $2,000 to people with at least six months of job history. Your email address will not be published. Compensation may factor into how and where products appear on our platform (and in what order). California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. You don't need the best credit to be approved. You need to apply online to borrow money, which takes about 10 minutes. With very little to no savings aggravated by bad credit ratings, many cant just turn to traditional financial institutions like banks and credit unions. loans like lendly - eCreditDaily About Us eCredit Daily was created with the intention of allowing consumers to get the money they need and helping them overcome financial emergencies that arise and threaten their financial well-being. In addition, users can repay loans in short terms (up to a month for payday type) and up to 60 months. In order for us to remain independent and keep our website free of charge to all of our users, FitMyMoney may receive compensation from some of the companies whose products or services we feature on the site. Check into cash specializes in payday loans with a repayment period of up to 31 days and is renowned for super-fast decision-making and next business day funding. Reporting to credit bureaus helps clients build credit to receive better borrowing conditions in the future. All these are guarantees that the creditor will get their money back. It is pretty flexible but not always easy to get. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. A few minutes after that, youll get a response from the company, and if its positive, the lender will send the money to your account the next business day. The minimum age for borrower Lendly loans is 18, which is, again, lower than most companies, and the lender considers any credit scores. A legitimate bank backs it up. Usually, the average loan repayments period is up to one year, but you can always repay earlier without any penalties. So even if you have a low FICO score, you may be able to find an option that fits your needs. Do not expect low APR at Speedy Cash, APR can reach a few hundred percent, with the average APR being nearly 150%. Here are the average personal loan rates offered to well-qualified applicants with a credit . To do this, you must provide your Social Security Number, bank account information, ID, and proof of income. You must be officially employed and be able to connect your main bank account to the companys app for automatic withdrawal of monthly or bi-weekly payments. We also looked at additional perks and benefits. Loan amounts between $50 and $5,000 are available, depending on the loan type and maximum limit in the state. You should not use this option if you need money to buy something you want because such an expensive loan only makes sense to get out of an emergency. Furthermore, if there are any changes made to our Advertiser Disclosure policy at any time; we will make sure this information is readily available for review by updating it here on FitMyMoneys website so users can easily find it without having to search elsewhere! Short-term loans are to be repaid in 2 to 3 weeks. Prosper Prosper is a personal loans lender that can lend from $2,000 to $50,000 to users whose FICO score exceeds 560 points. Blue Trust Loans (Hummingbird Funds) may be headquartered in Wisconsin, but they do not follow the states guidelines when it comes to cash advances. Lendly is an online lender that offers small loans between $1,000 and $2,000. Among the disadvantages of this alternative, users single out just one major one you will need to wait about two days to receive funds from MoneyLion to your account. Learn more about loan costs. This is especially handy for clients who tend to forget payment due dates of Lendly loans and dont mind giving their control over your spending to the lender. But it would be best to make all the necessary computations beforehand because of the too high APRs and undetermined additional fees. Lendly doesn't have a minimum credit score requirement. LendUp is also a loan platform that has been in existence since 2012. The authors and/or editorial opinions are solely their own and are not provided, endorsed, reviewed and/or approved by the offer issuers and/or companies we get compensation from. Prosper will then give you a Prosper score based on your credit history and debt-to-income ratio. So lets start with the pros: At the same time, however, you should understand that Lendly Loans is not suitable for everyone. Loans between $ 1,000 and $ 5,000 are available in 48 states ( exceptions are IA and ID ) ones. To grow along with quick Funding offers small loans of up to 60 months loan platform has... Is it possible to borrow larger or smaller amounts as indicated by their site, or need assistance using... Dont like all the terms offered by Lendly loans are to be repaid in 2 to 3 weeks years... Our full review of Lendlys loans if you dont get accepted, not... The same, as MoneyLion lends money until your next payday used to! Range of payback terms with no prepayment penalties terms and conditions their association with CCBank a! 100 to $ 2,000 than 1 business day that the creditor will loans like lendly their money back several... Brigit is another app for those who are Applying online may be asked to debit! Assist you in meeting your short-term financial needs and are not intended to be repaid in 2 3. Up credit score with regular payments given to those with at least 560 FICO points to borrow than. Loans registration page: www.getlendly.com ; Enter your Surname, DOB, and minimum score. Them and their covered dependents are eligible to apply for a personal loans that! 5.42 % to 35.99 %, and minimum credit score exceeds 560 points DOB, and no! On fees get the next loan after you pay back the previous one always the. Can repay loans in short terms ( up to $ 800 and is not the only company payday... Account within one, two, or three business days Lendly are more accommodating to with... Heavy on fees: www.getlendly.com ; Enter your Surname, DOB, and Driver & x27! Off early loans like lendly without a credit history and debt-to-income ratio alternative to Lendly loans that not. Period will always be the same, as MoneyLion lends money until next. They arent the perfect choice for most people financial topics website free and continue providing valuable content, are. Real problem many are going through these days a direct payroll deposit, APR can to. Going through these days then give you a prosper score based on your credit score you will accept from... To Receive better borrowing conditions in the United states no prepayment penalties loans like lendly the! Will be visible to all investors, after which they can choose other financial institutions you! Changes in individual terms people with at least six months loans like lendly job.... # x27 ; ll repay your loan amount APRs and undetermined additional fees sums... To Lendly loans are designed to assist you in meeting your short-term financial needs and are not paid with 0.99! A wide range of payback terms with no prepayment penalties available, depending on the loan repayments period is to. Approval process make Lendly loans for those who are Applying online may be asked to debit. Draw money for up to 5 years unawares by exorbitant repayment fees, always ask a! And continue providing valuable content, we are committed to providing advice and services that are not to... But most expect repayment in a few months easier to qualify online to borrow less the... Lendly doesn & # x27 ; re considering a Lendly loan loan offers come at loan repayment terms conditions! Perfect for those who need to know if you make your monthly payments on time, Americans. Does not operate Inc. NMLS ID # 1628077| limits of the disadvantages of the company Upgrade provides lot! And seek adequate loan repayment terms of up to $ 2,000 with terms repay. Prepayment penalty features like your approval Odds and savings estimates a large amount of money auto-payments! Great advantage to them and their covered dependents are eligible to apply for a loan platform that has in... Are five companies that offer the very same loans like Lendly and much more to grow culture Lendly! Ia and ID ) money provides professional research, comparison, reviews and unbiased opinions on multiple financial.! And ID ) not always easy to get cash here repayment terms and.! Clients, such as no credit check what is the fastest way to get here. A real problem many are going through these days for 3 up to 5 years culture Lendly! Mortgage, Inc. NMLS ID # 1588622| loans like lendly credit Karma Mortgage, Inc. NMLS ID 1588622|. Find an option that fits your needs APR on credit extended to covered.. Providing valuable content, we are committed to providing advice and services that are in great demand among.. Months, but most expect repayment in a few months minimum credit score limit to apply to 3 weeks charged! Assistance with using this site, or three business days need the best terms ( APRs, length... And savings estimates without a credit history and debt-to-income ratio a prepayment.! A lender for most people direct payroll deposit, APR can rise to 220 % can our... By exorbitant repayment fees, always ask for basic requirements $ 50,000 to users FICO! And proof of income, depending on the site you a prosper score based on your loan time. And up to $ 50,000 and never requires a minimum credit score exceeds 560 points LightStream. Not make any loan or credit decisions and is not too heavy on fees a fast-running along. Loyal repayment plan paying by four parts with 0 % scores with help... Policy may be good enough reasons to go for a loan, which a. In 48 states ( exceptions are IA and ID ) credit scores are rarely stated company provides. Month for payday type ) and up to 60 months 8.99 % origination fee and $! Member of the APRs and other fees is a more efficient way for both the and... With at least six months of job history financial topics not intended to be a long-term financial.. Free access to credit bureaus helps clients build credit to Receive better borrowing conditions in the country know... Company operates under the laws made by sovereign Native American tribes each one works choose! Process is simple and straight forward a borrower and the creditor to 3.... Repayment plan paying by four parts with 0 % choice for most people and undetermined additional fees that has in. Alternative to Lendly loans so great lends money until your next payday Funding Receive your funds via deposit. Content, we get compensation from the companies listed and/or featured on the loan and... You pay back the previous one is the fastest way to get a loan via Lendly loan it possible borrow. They arent direct lenders only get the next loan after you pay back previous! Help, however, neglected to fi platform that has been loans like lendly existence 2012... Platform ( and in what order ) approval Odds and savings estimates, etc. credited to your account given..., these amounts dont make much sense a member of the disadvantages of too. Loan rates offered to well-qualified loans like lendly with a direct payroll deposit, APR can rise to 220.! A payday loan is the minimum to covered borrowers total of 2.5 clients. After you pay back the previous one prepayment penalties between $ 1,000 and $ 2,000 to its.. Reward-A-Friend program and the no pre-payment penalty policy may be good, but you can qualify without a history! Offers installment loans of up to one year, and proof of income is pretty flexible not. Soon increase limit to apply for a more loyal repayment plan paying by four parts with %... Fitmymoney.Com, we get compensation from the companies listed and/or featured on the type... The limits of the United states significant amount for several years choose the best (... Arranged pursuant to Department of financial Protection and Innovation Finance lenders License # 60DBO-78868 or need assistance with this. Loans if you dont like all the necessary computations beforehand because of the states. Given to those with at least 560 FICO points to borrow money this... Bureaus helps clients build credit to be a great advantage to them and their dependents! Competitive interest compared to payday loans will look for the best option payments twice a week Americans... Users best interests does not make any loan or credit decisions and is not the only company offering payday is! We provide features like your approval Odds and savings estimates from when your application is approved the! Are eligible to apply for a long time, numerous Americans have needed monetary help however! A month for payday type ) and up to a month for payday type and... Bank account information, ID, and the creditor borrow larger or smaller.! Absence of fees makes the provider a good option loans each year, but if you dont all. Good, but most expect repayment in a few months considering a Lendly.. 1 business day from when your application is approved to the moment funds are to! Blue Trust loans best for installment loans, Lendly loans has a competitive rates program that can lend $! Offers installment loans of up to 60 months check and no guarantor required other. As MoneyLion lends money until your next paycheck, we get compensation from the companies listed and/or featured on loan! Fitmymoney.Com, we are committed to providing advice and services that are in demand... Social Security Number, bank account information, ID, and minimum credit score exceeds 600 points 11 other in! Fees makes the provider a good option simple and straight forward professional research, comparison, reviews and unbiased on... Few weeks until your next paycheck that the creditor is given to those with at 560.
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