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It is not usually that borrowers know when their loans are direct or not particularly when dealing with banks. If the bank or company you will be borrowing from is not lending directly to you then you’re paying a lot more for the loan. These costs are sometimes cleverly hidden amongst digesting fees and interest charge requirements. So it is important you don’t take a loan without carefully looking at the costs (processing fee+ attention payments) along with fine print of the loan.
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