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maybe many people are taking loans online or offline for various urgent reasons, but keep in mind that the habit of making loans will only get you entangled with what is called eternal debt and the possibility of getting addicted to making loans online or offline
Taking a proper loan from a bank is not a bad aspect but the issue here is the loan sharking apps that are lending out money when you are providing your identity card with very high interest rates. You need to be careful when you are taking loans from these online companies and the links you posted are about these online loan sharks who harass people when you delay on repayment.