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Personal loans are a popular way to consolidate debt. or to pay for expenses you didn't plan for such as taxes due, education expenses, household repairs, medical debt, weddings, home improvement bills. moving costs, and all of those other things that life seems to have a way of throwing at us when we least expect it! You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Same Day Online Payday Advance How does it Work?