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Personal Loans

Discover Personal Loan Review: Decent Rates for Fair Credit and Higher

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Written By

personal loan_lg

Discover Bank is everything you would expect from a traditional lender. It offers fixed rates depending on your creditworthiness, is available in all 50 states, and there are several terms to choose from, giving you flexible payment options.

Discover does offer a 30-day money-back guarantee, which is unique. Discover wants to make sure you get the best terms you can, so if you find something better within 30 days of accepting their loan, you can send the money you received back to them, with no interest charged. (Unless the funds went to a creditor, in which case, they can’t be returned.)

This guarantee can help put your mind at ease in case you do find something better, or decide that you can’t handle the payments. If this is something that interests you, read on to get the full scoop on this personal loan.

Discover Bank
APR

6.99%
To
24.99%

Credit Req.

Not specified

Terms

36 to 84

months

Origination Fee

No origination fee

SEE OFFERS Secured

on LendingTree’s secure website

Advertiser Disclosure

Discover is a financial services firm that offers credit cards, deposit accounts and personal loans. ... Read More


The APR ranges from 6.99% to 24.99% APR based on creditworthiness at time of application. Loans up to $35,000. Fast & Easy Process. Terms are 36 to 84 months. No prepayment penalty. This is not a firm offer of credit. Any results displayed are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. For example, for a $15,000 loan with an APR of 10.99% and 60 month term, the estimated monthly payment would be $326. The estimated total cost of the loan in this example would be $19,560.

Discover Personal Loan Rates and Details

Discover LoansDiscover is very upfront with the terms they offer on their website. For starters, you can borrow up to $35,000.

Their rates range from 6.99% – 24.99% APR.

You can pay back your loan in 36 to 84 months, which is much longer than most lenders offer. However, be mindful that a longer term means you’ll be paying more interest over the life of the loan.

In order to qualify, you need to have a credit score of at least 0.

According to the loan estimation calculator on Discover’s site, if you have fair credit, and wanted to borrow $10,000 over 48 months, your APR would be 13.99%, and your minimum payment would be $273/month.

Also, if you ever need to change your payment due date, Discover allows you to make the change within your account online.

Credit Requirements

To apply for a personal loan with Discover, you need to be at least 18 years or older, be a U.S. citizen or permanent resident, have a minimum income of $25,000, and have at least a fair (0) credit score.

Discover states that rates depend on creditworthiness, so this loan is for those who already have established credit. They look at credit history, recent credit activity, and credit inquiries.

If you select that you have “poor” credit on Discover’s loan calculator, you’ll receive a message that you’re ineligible for a loan.

While you need a minimum income of $25,000, you can still apply for a personal loan with Discover if you’re unemployed, but have an annual household income of $25,000. Your credit report has to show that you have shared financial obligations within the household.

How Do Discover Personal Loans Compare With the Competition?

Discover makes it a point to feature a comparison chart on their homepage, listing out the reasons their loans are superior to Wells Fargo, Citi, LendingClub*, and Prosper.

Overall, Discover does come out on top in many of the categories, especially when compared to Wells Fargo and Citibank. Discover’s APR range is more favorable when compared to these two, and while LendingClub and Prosper have slightly lower starting personal loan rates.

Additionally, Discover’s personal loan has No origination fee, whereas LendingClub and Prosper have origination fees up to 5% of the loan amount.

The Fine Print – Are There Fees?

Discover does not have any hidden fees – there are no closing fees, prepayment penalties, or origination fees associated with their personal loan.

However, their late fee is a whopping $39, which is quite high compared to other personal loan lenders. You can enroll in their automatic payment service to avoid making late payments.

Discover Personal Loan Application Process

The application process for Discover’s personal loan is a little more in-depth than others.

You can apply online or over the phone, and you’ll be asked what amount you need to borrow, and what length of term you’d like. This is where the loan calculator comes in – be sure to choose an option you can afford!

Discover requires your salary and employment information, and they will verify both. You may have to submit pay stubs or bank statements, and Discover may contact your employer. You can upload documents directly to Discover during the application process.

If you’re looking to pay off debt, you’ll need the balances and account numbers of your creditors.

Once you’re done filling out the application, a loan specialist may call you to verify any details. Otherwise, Discover claims that you will receive a decision the same day you apply, and funds can be disbursed within 3 days of accepting the offer.

Who Would Benefit from a Discover Personal Loan?

Individuals that already have an established, positive credit history and need money quickly will benefit from a Discover personal loan.

Because Discover offers to pay off creditors directly, its loan is a great option for those looking to consolidate debt. Discover has a debt consolidation calculator to help you determine whether or not it you’d save money by going that route.

What to Use the Funds For

With a Discover personal loan, you can borrow anywhere from $2,500 to $35,000, which is a large range.

On the website, popular reasons people borrow from Discover include:

  • Debt consolidation
  • Wedding/Honeymoon
  • Vacation
  • Home improvement
  • Major purchases

The most popular option seems to be debt consolidation, because Discover offers decent terms for those with great credit. Having a fixed interest rate of 6.99% it might make a huge difference for you as opposed to balancing four different credit card loans with varying interest rates.

Discover also cites home improvement, specifically “green upgrades”, as a reason why people borrow funds. This could be a good idea if you plan on staying in your current home for a while, and will recoup the costs through money saved on utilities.

Discover Bank
APR

6.99%
To
24.99%

Credit Req.

Not specified

Terms

36 to 84

months

Origination Fee

No origination fee

SEE OFFERS Secured

on LendingTree’s secure website

Advertiser Disclosure

Discover is a financial services firm that offers credit cards, deposit accounts and personal loans. ... Read More


The APR ranges from 6.99% to 24.99% APR based on creditworthiness at time of application. Loans up to $35,000. Fast & Easy Process. Terms are 36 to 84 months. No prepayment penalty. This is not a firm offer of credit. Any results displayed are estimates and we do not guarantee the applicability or accuracy to your specific circumstance. For example, for a $15,000 loan with an APR of 10.99% and 60 month term, the estimated monthly payment would be $326. The estimated total cost of the loan in this example would be $19,560.

So, Should You Take a Discover Personal Loan?

For a traditional lender, Discover’s personal loan offering isn’t bad. It beats out Wells Fargo and Citibank, and still looks more favorable than LendingClub and Prosper, both peer-to-peer lenders.

Due to the credit requirements, this loan isn’t a good fit for recent graduates or those who have poor credit. If you don’t think your credit is good enough, try the other alternative personal loan lenders that we’ve reviewed.

Keep in mind that Discover will do a hard credit inquiry when you apply for a personal loan with them. Even though it offers a 30-day money-back guarantee, you should shop around with multiple lenders before accepting an offer. Don’t worry that it will further impact your credit score – as long as you’re shopping around within a 45 day window, the credit bureaus will look at multiple inquiries that close together as one inquiry.

One of the easiest ways to compare multiple lenders and loan offers at the same time is to use LendingTree (full disclosure, LendingTree is our parent company). Dozens of lenders participate in LendingTree’s personal loan shopping experience and with one online form you can receive multiple loan offers with only a soft pull on your credit.

LendingTree
APR

As low as 3.49%

Credit Req.

Minimum 500 FICO®

Terms

24 to 60

months

Origination Fee

Varies

SEE OFFERS Secured

on LendingTree’s secure website

LendingTree is our parent company

Advertiser Disclosure

LendingTree is our parent company. LendingTree is unique in that you may be able to compare up to five personal loan offers within minutes. Everything is done online and you may be pre-qualified by lenders without impacting your credit score. LendingTree is not a lender. Terms Apply. NMLS #1136.



As of 17-May-19, LendingTree Personal Loan consumers were seeing match rates as low as 3.49% (3.49% APR) on a $10,000 loan amount for a term of three (3) years. Rates and APRs were based on a self-identified credit score of 700 or higher, zero down payment, origination fees of $0 to $100 (depending on loan amount and term selected). Terms Apply. NMLS #1136

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Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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Personal Loans

P2P Lending: 7 Tips to Follow or Lose It All

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Written By

peertopeer-full5

Peer-to-peer lending has been attracting a lot of attention recently. Companies like LendingClub* and Prosper have been growing rapidly. LendingClub alone has given out over $5 billion of loans. Although small relative to the more than $800 billion of credit card debt, these companies are quickly becoming important lenders.

At MagnifyMoney, we believe that interest rates on credit cards are too high. New entrants like LendingClub and Prosper promise to provide lower interest rates than credit cards, helping people pay off their debt quicker. We welcome new entrants, new competition and lower prices.

As a borrower, you have nothing to lose. You can see if you will be approved, and your interest rate, without receiving a hard credit inquiry on your credit report. Most importantly, you are receiving all of the same consumer protections as if you were borrowing from a bank.

But, if you are thinking about investing in the platform, you need to do your homework. Here are the seven things you need to know:

1. Your investment is not insured, and you could lose everything.

If you are a borrower, you are not taking any risk by borrowing from LendingClub or Prosper.

But if you provide financing for loans, you are taking a speculative bet. Unlike depositing your money with a bank, you receive no FDIC insurance.

And, if either LendingClub or Prosper go bankrupt, you stand in line behind every other creditor. The loans are not “carved out.”

So, you are not only taking credit risk for the individual borrowers, but you are also taking credit risk for the companies themselves.

2. The smaller your portfolio, the more your investment resembles a Las Vegas casino

Investing in a consumer loan portfolio only makes sense if you have at least 250 individual investments. Ideally, you would have more than 500 loans in your portfolio.

Fewer than 100 loans is gambling.

The minimum investment amount (per loan) is $25. That means you should be prepared to invest at least $6,250. Ideally, you should be investing more than $10,000.

Why?

The scoring models used to make the lending decision only work when you have a statistically significant population. Statistically significant usually starts at 250 loans. With fewer than 250 accounts, the model is unable to predict with a high level of certainty the outcome. That means greater volatility.

3. It takes a lot of good loans to pay for one bad loan

It helps to remember the math.

If you make a $100 loan, the borrower does not pay you back, then you lose $100.

If you make a $100 loan and charge a 15% interest rate, then you will be earning approximately $13 of interest during the first year (assuming a 3 year term).

So, just to break even during Year One (on a cash flow basis), you would need 7.7 good loans just to pay for the cost of one bad loan.

4. All types of diversification are important

It is good to have 500 loans in your portfolio. But, if all 500 are renters in Southern California with 660 FICO scores, then you do not have a diversified portfolio. Instead, you have a bet on Southern California renters.

To get the full benefits of diversification, make sure you have a portfolio that it well distributed by geography, score, and key risk criteria.

5. Three year is a long time; Five years is a lifetime

The “loss curve” of a consumer portfolio increases over time. That means very few people stop paying in the first six months. (If you see a lot of missed payments early, then you really should be afraid. Who doesn’t make at least their first payment?)

But the more time you add to an unsecured loan, the less likely someone will pay it back.

And there is very little data to show how consumer loan portfolios perform on LendingClub and Prosper in Years Four and Five because so few loans are that old.

As a risk mitigant, consider only making three-year loans. People who sign up for shorter loan payback periods are usually much lower risk.

6. Don’t forget common sense

Sometimes data can be deceiving. Before 2008, the data convinced the world that a “landscape architect” with a FICO of 550 deserved a $600,000 mortgage.

If you see a lot of credit card debt, and a lot of missed payments (recently), then you should not be afraid to feel a little nervous in lending.

Despite years of science, data and analytics, the single best predictor of future repayment is historic repayment. Don’t be afraid to question the score and eliminate accounts where you see high levels of debt and missed payments.

7. This can be an interesting part of your portfolio, but only the speculative portion

There is still very limited data for both Prosper and LendingClub. The investments are speculative.

However, consumer-lending assets can be extremely profitable, if you have a well-diversified portfolio originated by a quality lender. I believe that LendingClub and Prosper can offer those opportunities.

But, just to prove the opposite, I decided to build a portfolio that ignored all of the advice above. I only invested $1,000. I largely targeted the higher risk customers (< 700 FICO). I am a few months into the process, and one of my loans is already heavily delinquent. So, to date, I have received $19.88 of interest. And I will have a loss of $25. My investment is in the red.

I like the platform, and am now ready to take my own advice and build a more diversified portfolio (less speculative), of maximum 36-month loans. But I am only going to invest an amount that I feel comfortable losing.

Got questions? Get in touch via TwitterFacebook or email [email protected]

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Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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Personal Loans

LendingClub vs Prosper – 7 Answers for Borrowers

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Written By

peertopeer-full

LendingClub and Prosper are growing as online personal loan providers, with more and more people shopping for loans with lower rates than their high interest debt, or some spare cash to cover an unexpected situation.

While both are reputable companies backed by management and investors with good credentials, it pains us to see people who shop for a loan and simply chose the very first one that qualifies them. You’re going to want to check rates with LendingClub, Prosper and more.

But before you do, you can read up below on some of the differences between LendingClub and Prosper. While they look the same on the surface, there are actually some big differences to be aware of.

1. Which is more likely to approve you?

The good news is there’s no downside to finding out if both will approve you.

That’s because with an online personal loan you can check the rate you qualify for without a mark on your credit report.

So it’s actually important to check both LendingClub* and Prosper to see who offers your best rate.

And don’t stop there, because several online lenders are fighting for your business and might give you an even lower rate.

We keep a list you can check here. There’s no harm in trying.

2. Which is better for people with less than perfect credit?

Prosper is a stricter lender by a hair, so if they don’t approve you or give you the rate you want, trying Prosper may get you a different answer.

Here’s a comparison of the bare minimum requirements Prosper and LendingClub have for you to be considered for one of their loans:

Minimum credit score

Prosper:

LendingClub: Not specified

LendingClub is a little more lenient here, so if you’re borderline and get rejected by Prosper initially, give them a try.

Even if both accept you, it’s best to check some other online lenders like Sofi.com, Upstart, or Lighstream to see if you can get a better rate. You can check our list of lenders here.

Debt to Income

Prosper: less than 50%

LendingClub: less than 40%

This means Prosper is sometimes willing to take people who have more debt overall than LendingClub, which is something to consider.

Debt to income includes your monthly payments, including mortgage, credit cards, rent, child support, student loans, car payments, divided by your monthly salary.

For example, if you pay $300 a month on your car loan, $550 a month in credit card payments, and $1,100 in house payments, while your monthly salary is $4,000, your debt to income is $1,950 / $4,000 = 48.8%. That would be acceptable to Prosper, but not LendingClub.

Maximum Number of Inquiries

Prosper: 6

LendingClub: 5

Inquiries are the number of times you’ve attempted to borrow money in the past six months, and are reflected on your credit report. Prosper is a little more lenient here.

Minimum Number of Open Accounts

Prosper: 2

LendingClub: 2

Lenders want to see you’ve handled some credit responsibly, so they will want you to have at least two credit accounts open. An account can include a mortgage, auto loan, credit card, student loan, or any other type of credit account on your credit report. Chances are unless you’re very young, you meet this requirement.

3. What information will I need to provide when I apply?

You’ll need to provide basic information like your income, amount of the loan you’re requesting, and employer.

About 80% of the time LendingClub will check with your employer to verify whether you work there or ask for your paystubs to check your income.

When checking your income, they’ll want to see that it’s within 10% of what you stated on your application. So if you said you earn $50,000 a year, and they ask for your last two paychecks they’ll want to see it works out to $45,000 – $55,000 a year in income.

So when you apply don’t put in bonuses, tips, or other income that don’t show on your paystubs if they are more than 10% of your annual income to avoid getting denied by a check.

4. Will I need to tell my life story?

Both Prosper and LendingClub will share your credit profile and loan request with potential people who will fund your loan. But it’s all anonymous and tied to a user ID, rather than your real name.

LendingClub will ask you whether you want to put in some summary information about your loan and yourself, but a lot of people who get approved and funded don’t bother filling it in.

Prosper used to ask you to complete a pretty in-depth profile with a story and picture of yourself, but they’ve moved away from that. So you can stay pretty anonymous when borrowing there as well.

5. How do the rates compare?

Both advertise similar APRs…

LendingClub: 10.68% – 35.89%

Prosper: 7.95% – 35.99%

And the rate you get depends on which of the ‘rating’ bands they assign you.

Those ratings depend on your credit score, total debt amount, the type of debt you have, your payment history, income, and other factors.

In fact, your credit score doesn’t really tell you if you’ll get a decent rate or not.

For example, on LendingClub, of over 700 pending loans on the day we wrote this, here are the interest rates they are charging on loans based on several credit score ranges. (Note this is a little lower than the APR, but it gives you a sense).

Score range: 660-664

Highest: 24.99%

Lowest: 10.15%

Score range: 665-669

Highest: 26.06%

Lowest: 10.99%

Score Range: 670 – 679

Highest: 25.98%

Lowest: 7.69%

Score Range: 680 – 699

Highest: 25.98%

Lowest: 7.12%

Score Range: 700 – 710

Highest: 25.98%

Lowest: 6.49%

As you can see there is a really big range in what they will charge you even with good credit scores.

From 2012 through March 2014, the average LendingClub loan rate was about 14% and the average loan size was around $14,000.

So the short story is – go to both, give them some basic information, and find out where you stand. You might be surprised.

6. What fees do they charge?

While neither charges you anything to check your rate, both charge a fee to complete your loan, and it’s removed from the loan at the beginning.

It works out to 2.41% - 5.00% at Prosper, with the lower fee for people with better credit quality.

APR

7.95%
To
35.99%

Credit Req.

640

Minimum Credit Score

Terms

36 or 60*

months

Origination Fee

2.41% - 5.00%

SEE OFFERS Secured

on LendingTree’s secure website

Advertiser Disclosure

Prosper is a peer-to-peer lending platform that offers a quick and convenient way to get personal loans with fixed and low interest rates. ... Read More


*For example, a three-year $10,000 personal loan would have an interest rate of 11.74% and a 5.00% origination fee for an annual percentage rate (APR) of 15.34% APR. You would receive $9,500 and make 36 scheduled monthly payments of $330.90. A five-year $10,000 personal loan would have an interest rate of 11.99% and a 5.00% origination fee with a 14.27% APR. You would receive $9,500 and make 60 scheduled monthly payments of $222.39. Origination fees vary between 2.41%-5%. Personal loan APRs through Prosper range from 7.95% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $40,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank, Member FDIC.

And at LendingClub it works out to about 2.00% - 6.00%, also depending on the rating or grade they assign your loan. You’ll know this when you get an upfront rate quote.

APR

10.68%
To
35.89%

Credit Req.

Not specified

Terms

36 or 60

months

Origination Fee

2.00% - 6.00%

SEE OFFERS Secured

on LendingTree’s secure website

LendingClub is a great tool for borrowers that can offer competitive interest rates.... Read More

Make sure you ask for a big enough loan to cover this. For example if you ask for a $5,000 loan and there is a 5% origination fee, you’ll get $4,750 sent your way, rather than the full $5,000.

Once you get quotes from both, you can put the upfront fee and the ongoing interest rate into our balance transfer vs. personal loan comparison tool to see which will cost you more or less over the long term. No need to do the math yourself.

7. What if neither of them approve me?

You’re not out of luck.

The good news is: your credit score isn’t penalized by checking rates with LendingClub or Prosper, so you can try another personal loan lender like SoFi to see if you’re approved or can get a better rate.

SoFi
APR

5.99%
To
19.96%*

Credit Req.

680

Minimum Credit Score

Terms

24 to 84

months

Origination Fee

No origination fee

SEE OFFERS Secured

on LendingTree’s secure website

Advertiser Disclosure

SoFi offers some of the best rates and terms on the market. ... Read More


Fixed rates from 5.99% APR to 19.96% APR (with AutoPay). SoFi rate ranges are current as of May 14, 2020 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

If your credit isn’t great, OneMain Financial* is a lender that will often approve people with scores below 640, though you’ll need to go in person to one of their own branches to complete a loan application.

And if you apply with OneMain Financial you’ll need to do a full credit pull.

APR

18.00%
To
35.99%

Credit Req.

Not specified

Terms

24 to 60

months

Origination Fee

1.00% - 10.00%

SEE OFFERS Secured

on LendingTree’s secure website

Advertiser Disclosure

OneMain Financial offers quick turnaround times and you may get your money the same day... Read More


Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Maximum annual percentage rate (APR) is 35.99%, subject to state restrictions. APRs are generally higher on loans not secured by a vehicle. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $400. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Active duty military, their spouse or dependents covered under the Military Lending Act may not pledge any vehicle as collateral for a loan. OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, such as college, university or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: Florida: $8,000. Iowa: $8,500. Maine: $7,000. Mississippi: $7,500. North Carolina: $7,500. New York: $20,000. Texas: $8,000. West Virginia: $14,000. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

But if your credit is good, check out these other online lenders to see if you have better luck. Some, like Upstart, will take into consideration where you went to school, your Linkedin profile, or even your grades as a way to make you eligible for a lower rate.

APR

7.00%
To
35.99%

Credit Req.

620

Minimum Credit Score

Terms

36 or 60

months

Origination Fee

Up to 8.00%

SEE OFFERS Secured

on LendingTree’s secure website

Upstart is an online lender created by ex-Googlers.... Read More

*We receive a referral fee if you click on offers with this symbol. This does not impact our rankings or recommendations. You can learn more about how our site is financed here.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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