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Whatever the reason you need to raise money there is a loan suitable for you. Sometimes it's better to simply save up until you have the money available before yopu make the purchese. This is going to save you money in the long run, rather than paying interest resulting the item effectively costing you more. However some items such as loans for essential house repairs or for a car to get you to work may be more urgent and require you to raise an instant sum of money.