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Online personal loans no paperwork are unsecured in nature and are designed for a very short period of time to strengthen their security seek the lender, offered some selection criteria in the borrower. The borrower must be a citizen of the United State, you must be over 18 and staff. You have written proof of your employment and payroll for the last three months are enough? Besides that, you have to have a checking account that must be used for all transactions.