Did an unexpected expense pop up for which you did not have the funds? Do you maybe have a less than perfect credit score holding you back from applying for a loan through a traditional lender? Do you maybe just want to apply for a loan from the comfort of your own home and receive offers the same day?
Well, there are a variety of lending marketplaces available to choose from, which connect you with a variety of lenders with just a straightforward application. We have compared these marketplaces, and the four best companies we believe are available.
Top 5 Best Personal Loans For Bad Credit Or No Credit Check Loans:
- Money Mutual – Best Personal Loans With Poor Credit History
- FundsJoy – Top Loan Lenders Of Payday Loans & Short-Term Loans
- BadCredit Loans – Recommended For Quick Loans With Bad or No Credit Check
- CashUSA – Fast Cash Approval of Emergency Loans Online
- Personal Loans – Trusted Loan Companies For Payday Loans
Here are the detailed reviews of our top picks:
#1. Money Mutual – Best Personal Loans With Poor Credit History
Money Mutual is a top lending platform, or marketplace, for personal loans. They submit your application to their network of over fifty lenders, saving you time and energy and providing you with various offers from lenders who are willing to work with you.
They have helped over two million Americans apply for personal loans since their inception in 2010. That’s over a decade worth of helping people connect with lenders to acquire the funds they need.
Features
Free to Apply: You don’t have to pay to apply through Money Mutual, and it usually only takes a few minutes to do so. After you fill out the application, the application gets sent to various lenders, who will then come up with offers.
The lenders will then present the offers to you to overlook and decide from, so you do not ever have to worry about approaching any lenders individually. You fill out a single application, and you receive various offers.
Easy Pre-qualifications: The application quickly asks questions about your age and how much money you make monthly.
You only have to be a minimum of eighteen years old, and you have to bring home a minimum of eight hundred dollars a month, and b a United States citizen. So it quite literally could not be easier.
24 Hour Funds: You can receive funds within twenty-four hours after signing the loan agreement with your chosen lender, even if it is a weekend or holiday. So it truly is the next following day. So you are not left waiting for a check or for Monday to roll around.
Secure: Money Mutual uses Norton 256-Bit encryption which keeps your information safe and prevents it from getting into the hands of unwanted individuals. All their channels are protected, your information is not at risk even when applying to the lenders.
Your safety is their priority.
Variety Of Loans: There are a variety of personal loans you can potentially qualify for when applying through Money Mutual.
From loans to consolidate debt, cash advances, payday loans, to even installment loans, there are all sorts of “bad credit” loans that Money Mutual can help you apply for due to their lack of strict eligibility requirements.
Hear Back In Minutes: You are not left waiting and wondering when you will hear back from the lenders you have applied to for a long time. Instead, money Mutual submits the applications, and you hear back with offers from lenders who are willing to work with you within minutes.
Once you receive an offer, you can select the offer, which will take you to the lender’s website to see the loan terms and continue the acceptance process if you are so inclined.
Pros
- Applying is fast and easy
- Their services are free
- They are a part of the Online Lenders Alliance
- They have a secure website
- Funds can get deposited within 24 hours
Cons
- After signing, it does not deal with potential loan issues; you have to deal directly with the lenders.
- It is not available for New York residents
=> Click here to visit the official website of MoneyMutual
#2. FundsJoy – Top Loan Lenders Of Payday Loans & Short-Term Loans
Features
In some circles, FundsJoy is associated with payday loans. This is not the case; in fact, they are the leading company in America for bad credit loans. FundsJoy can connect you with people who can provide you with immediate funds ranging from $200 to $5,000 in some cases. After all, FundsJoy works with a variety of active lenders. Smaller loans, such as those ranging from $300 to $500, can also be applied for and are often much more common than larger amounts. FundsJoy can provide three types of loans: payday loans, cash advances, and bad credit loans. Payday loans are the simplest to obtain because they have low qualification criteria; however, they typically have high-interest rates. Because FundsJoy is so adaptable, it can help with emergency funds in a variety of situations. It is entirely up to you to determine which lender is best for you.
Requesting a loan is quick and easy. The form is on the home page and you just need to enter the required information before proceeding to the next step. The
The loan provider will offer you a rating before reviewing your information and deciding whether to accept it. It may cost money the next business day after approval.
Security is seriously crucial to BadCreditLoans. The internet site is included with industry-main encryption and is inspected for threats on an everyday basis. BadCreditLoans presents a secure environment for acquiring fast payday loans.
Data encryption generation is utilised by BadCreditLoans to steady your data. Your private facts can be stored privately. To protect the facts that customers offer at the site, the platform lets in the usage of encrypted documents and strategies that meet positive confidentiality laws. Their software program guarantees that none of your private facts can be exposed.
Fundsjoy offers more opportunities by serving different lenders and connecting customers to credit-related products and services. They first thoroughly evaluate them and strongly warn against accepting these suggestions without comparing them to other available options.
Pros
- Fast application – 5 minutes
- Lots of loan types – cash advance, payday loans, bad credit loans
- Safe & user-friendly website
- Smaller loans as little as $200
Cons
- Not a direct lender
- Lower credit score if late payments
=> Click here to visit the official website of FundsJoy
#3. Bad Credit Loans – Recommended For Quick Loans With Bad or No Credit Check
Bad Credit Loans doesn’t pull any punches, as the name suggests. They are aware that some people have poor credit but require a loan. As a result, the company aims to arrange your loan quickly and lays no constraints on how you utilize the money.
However, before you are authorized for a loan, the company provides you with instructional resources to assist you in making informed borrowing decisions. This information provides you with the necessary knowledge to safely and wisely use the money you’ve borrowed, ensuring that you don’t end up in debt with nothing to show for it. The site also explains the advantages and disadvantages of borrowing.
Features
Quick and Easy to Apply: Not only are the loans swiftly disbursed, but pre-approval is also free. It costs nothing to fill out the application, and it only takes five minutes.Clients with credit ratings of 500 and less are approved for loans, and these individuals are linked with high-risk lenders. In addition, if you don’t match any of the lenders in their network, they might direct you to other third-party lenders.Customers can search for credit card loans, school loans, vehicle loans, and other types of loans on the site. Those looking for business loans will be pleased to learn that Bad Credit Loans provides funding for small businesses.
Flexible Repayment Terms: Bad Credit Loans might help you get a significant cash loan. Depending on your needs, the platform may be able to assist you in obtaining a $10,000 loan. Despite the hefty sum, they provide reasonable payback conditions. When compared to traditional lenders, you have the option of paying it back over a period of 3 to 72 months.Bad Credit Loans partners with lenders who offer industry-standard rates ranging from 5.99 percent to 35.99 percent. In addition, the interest rate will be determined by the lender based on your credit score.You‘ll have an ally in your corner if you apply for a loan through Bad Credit Loans. You will never be forced to choose a particular option by a lender. Instead, your application will be available to the public.
Pros
- You can get approved in just 1 business day
- Safe and user-friendly site
- You can get up to $10,000
- 3 to 72-month terms for repayment are available
- No fees for using the service
- Great if you have bad credit
Cons
- You must be employed, self-employed, receiving SSI/Disability payments, or some other form of income.
=> Click here to visit the official website of BadCreditLoans
#4. Cash USA – Fast Cash Approval of Emergency Loans Online
Cash USA’s website receives over a million hits every month, so you know they have a lot of experience with connecting borrowers with lenders. They specialize in connecting individuals with less than perfect credit scores with lenders willing to work with them.
You can borrow between $500 and $10,000 depending on your qualifications.
They connect you with reputable lenders who are willing to work with you. In addition, they connect with more than just local state lenders, but lenders all over the United States to provide you with a variety of offers, so you are likely to find the offer that works best for you.
Features
Secure And Private: Cash USA uses a variety of safeguards and security measures to ensure the safety of your information through the application process.
In addition to safety with your application, they also have encryption to protect your information while submitting your application to the various lenders with whom they work.
You do not have to worry about someone getting access to your information which you do not want to have.
Simple Requirements: It is straightforward to qualify for loans through Cash USA’s lenders and recommendations. All you need is to be 18 years of age or older, acquire a thousand dollars or more a month early, and have a valid checking account with your name on it.
You also need to be a United States resident, and you will need to enter in simple information like your email, address, social security number, and phone number. The application process, in general, is fast, easy, and gets you offers from lenders promptly.
Any other requirements come from the lenders themselves, and you can compare those when you receive the offers from your initial application.
Simple Application: The application process is; fast and straightforward and should only take a few minutes for you to fill out the information needed to get the loan process started.
After you fill out the information needed, they will submit your loan application to various lenders. Within minutes, you should hear back with various offers from lenders who are willing to work with you. It’s straightforward, simple, and fast.
You should be able to pick the loan that works best for you, contact the lender and finish the loan acceptance process in a single day, and you should be able to receive funds as soon as the next business day.
Variety Of Loan Types: Cash USA is the perfect place to apply for various loans, especially if you have looked in other places and have not found the kind of loan or offer you require.
You can borrow money for student loans, home down payments, rent, vacations, businesses to aid in paying bills or medical expenses, even so much as aiding and paying off your taxes, wedding, auto repair, and more.
With a wide variety of things that you can use the loans for, you are likely to find just what you need.
Pros
- A variety of educational resources
- The speedy and straightforward application process
- Easy to understand loan terms
- Excellent customer support
- Connects with lenders from all fifty states
Cons
- Not better business bureau accredited
=> Click here to visit the official website of CashUSA
#5. Personal Loans – Trusted Loan Companies For Payday Loans
PersonalLoans.com is another lending marketplace that has a network of reliable lenders.
They offer student loans in addition to other personal loan options. They have also been around for nineteen years, so you know you can trust them due to their history. They take your application and submit it to their lenders, providing you with various offers.
Features
Loans For Various Occasions: Personal Loans do not restrict the kinds of loans you qualify for, nor restrict use because of the loans for which you may or may not qualify.
As a result, you can borrow money for various uses – helping with unexpected bills, business startups, home improvements, or even medical emergencies, and more.
So if life handed you a stack of unexpected bills, or if you have an idea that you want to get off the ground, but a traditional bank will not fund your idea, then you can apply through Personal Loans. They can connect you with various lenders who may be willing to work with you.
Free: You do not have to pay any fees to apply for a loan through Personal Loans. In addition, you have the freedom of comparing various offers at no charge to you, so you can make an educated choice on which lender you would like to choose.
You can also take as much time as you need to make your choice, so you do not feel rushed, and make sure you are making the choice that works best for you!
Flexible: Most of the lenders that Personal Loans works with are flexible with their payment terms – allowing once or twice month payment options. There are also a variety of repayment periods, such as a $500 loan typically has a ninety-day repayment period.
Some of the lenders even allow early repayment with no additional fees, so you can avoid having to pay so much interest.
Variety Of Loan Amounts: Personal Loans offers a variety of loans ranging from five hundred dollars to three thousand five hundred dollars.
The terms of the personal loans vary, as well, ranging from about three to seventy-two months and interest rates vary depending on your credit score.
With a good credit score and low debt-to-income ratio, you can potentially receive an interest rate of 5.99% APR while with a bad credit score and high debt-to-income ratio, you are likely to receive upwards of 35.99% APR.
Assists Newcomers: With a site that works well, Personal Loans will easily guide even the newest customers through the application process. The website interface is simple and easy to work with, so you do not worry about feeling confused or lost in the application process.
They quickly walk you through the entire process, and even if you do not qualify for a debt consolidation loan when you first apply, they will send you occasional offers as they become available.
They also offer assistance if you feel confused or need help, so you are not alone in the application process.
Pros
- A variety of loans are available for a variety of reasons
- No early payment penalty
- Some lenders allow rollover payments
- Auto payment is available directly from your account
- Next-business day deposit is available for some lenders
- The process is fast and simple
Cons
- Loan approval is not guaranteed
=> Click here to visit the official website of Personal Loans
#6. Credit Loan
Credit loan has been in business since 1998, so you know that you are working with a company that knows what they are doing when you work with them. In addition, with over two decades of experience, you know that lenders can trust your lending needs with this company.
They take your application, submit it to various trusted lenders to see, and provide you with various offers from these lenders at no cost to you. They offer various loan options ranging from two hundred fifty dollars to five thousand dollars.
Features
Build Your Credit: If paid back promptly according to the terms you agreed to, any loan you take out will help build credit.
So applying for a loan and accepting a loan can help you build your credit as long as you stay up-to-date on your payments and maybe even pay extra when you can afford to.
So while some loans may require a credit check, you can end up building good credit in the long run, which can help you in the future when applying for future loans such as for cars or a home.
It is essential to know that it will only build good credit if you stay up to date on your payments; falling behind on payments is bad for your credit and will hurt it.
Soft Credit Check: Credit Loan does a soft credit pull, not damaging your credit score. The application process is simple and easy, meeting only a few minutes of your time.
After your application is complete, credit loan sends your application to various lenders, who then respond with their offers for you to compare and choose from as you prefer.
From that point, you can look through the terms of each loan with each lender and decide which one best fits your needs.
Borrow Up To $5,000: There is a cap on the amount you can borrow through a Credit Loan. They clap their low credit offers at five thousand dollars, which is higher than many other companies who cap their low credit offers at around one thousand at most.
Because of this, you can increase the number of finances you have available to you immediately if you have any kind of financial emergency for which you may need the money.
Direct Deposit Available: Loans from Credit Loan qualify for the next business day direct deposit. The money gets deposited into your account within 24 hours.
So all you need to do is fill out your application, go through the offers and choose the one that best fits you; follow the link to contact that lender to finish the paperwork, and you should receive your funds the next business day after signing the final paperwork.
Pros
- FAQ section which answers most questions you may have
- Free application
- Receive money deposited into your account as soon as 24 hours after the application is accepted
- A variety of informational spots on the website to help educate you
- The fast and straightforward application process
Cons
- Not available in Connecticut or New York
#7. Surge MasterCard
Unlike the previous companies, this is a credit card company. With an A+ rating with the Better Business Bureau, you know you are in trusted hands with Surge MasterCard.
It is easy to qualify for this card with less than perfect credit, and using the card to pay off your loan consistently will help build your credit. Continental Finance Company issues it.
Features
Fraud Protection: Continental Finance Company protects your information on your card and offers fraud protection if your card number gets stolen. In addition, you get charged zero fees for charges you did not authorize on your card.
So you can rest assured that even if you are using your card for online purchases, you are protected.
Build Credit
Consistently using your card and paying it off will aid in building up your credit. The company reports to the credit bureaus to quickly notice your on-time payments. Previous poor credit choices are a thing of the past when you can build up good credit, and a Surge MasterCard helps you do just that.
Website And App: Download their easy-to-use application or visit their website to make payments and keep tabs on the usage of your MasterCard. You can also use the website or their app to report a lost or stolen card or report a fraudulent charge on your card.
Credit Limit: With a potential starting credit limit between three hundred and one thousand dollars, you will be able to use your card for emergencies, pay for travel, or even just buy your best friend some supper.
Anywhere that accepts MasterCard, you will be able to use your card. After using your card and making your payments consistently for at least six months, your credit limit doubled when it started.
Pros
- View your credit score for free with a Vantage score of 3.0
- You can get pre-qualified without damaging your credit score
- Any credit score can apply, which makes it accessible to most users applying online
- You can use it anywhere that accepts MasterCard
Cons
- The monthly fee is high compared to most other lenders in the industry
- Annual fee
- High interest
#8. Indigo MasterCard
Issued by Celtic Bank, this card is excellent for individuals who have no credit history at all. As long as you can make the payments, this could be a good choice for you. In addition, it is easy to apply for and see if you qualify without hurting your credit.
It does have a yearly usage fee and a low credit limit, but this is still an excellent card for beginners.
Features
Fraud Protection: You are not held responsible for charges you did not authorize. Because of this, you can use your card confidently without worrying about being held responsible if somebody tries to steal your information.
If you notice a fraudulent charge, report it to the bank right away.
$300 Limit: This card has a fixed three hundred dollar credit limit. While that is relatively low compared to many other cards, it makes this a perfect option for new cardholders.
It is easier to spend within your means with a low limit and not get overwhelmed with credit card debt and payments.
They do charge fees that end up lowering the available limit, and using over 30% of the available balance damages your credit.
Pre-Qualification Check: You can check to see if you are pre-qualified and even see how much you would be qualified for in addition to how much your yearly fee would be without it affecting your credit score.
So you can see if it is something you want to go through with or if you want to look for other options.
Pros
- Fraud protection is available on the company’s website
- Reports monthly to credit bureaus which help you build your credit score
- Easy to check pre-qualification, which helps users save time on the application process
- Can help build your credit history with a few timely repayments
Cons
- Yearly fee
- Usage fees
- Low credit limit
#9. Auto Credit Express
Financing a vehicle can be difficult, especially if you have bad or no credit. This website is an online marketplace that connects borrowers with lenders specifically for car loans.
Auto Credit Express has been in business since 1999, and its purpose is to help people with poor or no credit find loans for used cars, new cars, or even refinancing their current auto loans.
Features
One Application, Multiple Offers: You only have to fill out a straightforward application, and Auto Credit Express sends that application to their network of lenders. These lenders have flexible credit requirements to help clients with poor credit gain access to the funds they need for their automobiles.
You will receive various offers from lenders who are willing to work with you to choose the offer that best works for you.
Loan Qualifications: You do not have to worry if you do not have an excellent financial background; these loans may be the kind you need.
All you need to qualify is to have a job for six months, be a minimum of eighteen years old, earn between fifteen hundred and two thousand dollars a month, and have a three-year-long employment history.
Reputation: With an A+ rating with the Better Business Bureau, you know you are in good hands with this company. Auto Credit Express is accredited through them and has a 4.7 out of 5 Trustpilot rating, with the majority of the ratings raving about the company.
Pros
- Over twenty years of experience in the lending industry, which is why it’s so popular
- Partners with leaders from all fifty states, which makes the loans accessible to a wide range of users
- Offers a variety of auto loan types
- Specializes in loans for individuals with no or insufficient credit, repossessions, and also bankruptcies
Cons
- High minimum income requirement
#10. CarLoan.Com
Another lending network that helps you apply to various auto lenders is CarLoan. They provide services for people with all credit histories and have been in business since 1994, so you know you are safe in their hands.
Features
Qualifications: To qualify, you have to be at least eighteen years old, have an income of at least one thousand dollars a month, and be a United States resident.
Borrowing Terms: You cannot apply for a sixty-month loan for a vehicle with more than one hundred thousand miles, nor can you apply for a seventy-two-month loan for a vehicle with more than seventy thousand miles.
However, you can borrow up to forty-five thousand dollars if the vehicle qualifies.
Pros
- The payment estimator tool is available on the site
- The simple application makes for a convenient online experience
- You can qualify with bad credit or with bankruptcies, something that most other online lenders don’t offer
Cons
- Not available in North Dakota, Nevada, Oregon, Mississippi, Massachusetts, and Hawaii
- Strict borrowing restrictions for higher mileage vehicles makes the loans difficult to access
- How We Made The List Of Top Personal Loans Lending Company:
The first thing we looked for was the application process. Was it simple? Did it have a fee to apply for it? Was it a lengthy process or a fast one? We wanted to choose companies that offered user-friendly applications with no hidden application fees.
All four of these companies have just that – speedy and straightforward applications with no fee to apply. You can get various offers to compare with just a few minutes of your time and get one step closer to the funds you need.
The second thing we looked for was companies that offered next-day deposits. At the very least, ones that offered next business day deposits. Again, you do not want to be left waiting to receive your funds, and with these companies, you will not have to.
Once you apply, you typically will receive various offers within only a few minutes.
You can compare the offers and choose the one that best suits your needs. After you finish the paperwork with the lender, the funds are usually deposited directly into the account you have provided within the next twenty-four hours.
Nobody wants to enter sensitive information into a form or database that is not secure. When it comes to information necessary to apply for no credit check personal loans, you most definitely want to be confident you are entering it somewhere safe and secure.
These companies all use security and encryption programs to provide you with safe and secure websites to protect you and your most sensitive information from people who you do not want to access.
These companies prioritize the safety of your information and provide their customers with the security and peace of mind that their information will be kept safe.
If you are going to be taking a loan out from somebody, you will want to make sure that it is from a company that makes sure their customers are satisfied.
Because of that, we wanted to make sure that the companies we chose to value the satisfaction of their customers. So, with highly-rated reviews, which praise the companies, we decided these were the best companies to choose from because they ensure that their customers are satisfied.
What We Looked For
- Ease of deposit
- Next day application
- Secure application
- Customer satisfaction
- Factors To Consider While Choosing Bad Credit Personal Loans:
If you wish to find the best personal loans to suit your needs, you need to ensure you look at the right websites. The best online loan providers allow you to access personal loans at reasonable interest rates and convenient repayment periods.
Aside from these, several other considerations to bear in mind while choosing the best loans. To help you make up your mind, we’ve compiled a list of factors to watch out for in the best online personal loans.
These are the factors to look for in the loans:
APR
When comparing loans of any type, you want to compare the Annual Percentage Rate (APR) to see what interest you will pay yearly. The higher the APR, the more interest you will be charged and, therefore, the more money you will have paid back by the time you repay the loan.
Early Termination Fees
Some personal loan lenders charge fees for early termination – these fees frequently add up to about the amount, if not more, of interest left on loan. On the other hand, some lenders have no early termination fees.
These get listed in the terms, so you want to be sure to keep an eye out for them when comparing your offers.
Payments
You want to find out the monthly payment you will owe and be sure that you can afford to pay each month to build up your credit while paying off the loan.
You also compare the length of the payment period – the longer the repayment period, the shorter the monthly payment.
- FAQs About Personal Loans Online:
Q – How Long Do I Have To Wait To Receive My Loan After Signing?
A. It varies from company to company and lender to lender, but most available online offers next business day deposit.
This policy means that the business day after you finish the paperwork for accepting your loan terms with your chosen lender, you can expect to see the funds in your provided bank account. Typically, online lenders tend to deposit funds within about five business days.
Q – Does A Loan Require A Cosigner?
A. This varies depending on the loan, credit score, and debt to income ratio.
In situations where lenders feel that you may not be a trustworthy person to lend money to, you need to arrange a cosigner – whether this is due to insufficient personal funds such as high debt to income ratio or lousy credit history.
A cosigner takes on the responsibility for the loan with you. It promises the lender that if you do not make your payments, the lender can contact them, and they are also financially responsible for the loan. This, understandably, can put a strain on a relationship.
So be sure to use a cosigner that you trust and only accept loans you can afford to pay back.
Having a cosigner can also provide you with better no credit check loan terms than if you were to apply on your own – so you can potentially get offers with lower interest rates and other better terms.
Q – Can I Get A Loan If I Am Unemployed?
A. You do not necessarily have to be employed to receive a loan. However, you do need to have some sort of monthly income. This income can come from retirement funds, investments, alimony, child support, government payments such as social security or disability, or even annuities and savings.
As long as you have a reliable income stream you can prove you have, you may be eligible for a loan. You do not need to have a traditional job to qualify.
Q – How Can I Get A Loan While Having Bad Credit?
A. These lenders look at more than just your credit score. They also look at your debt to income ratio. So having lousy credit alone does not necessarily mean you are not eligible for a loan.
Some people have high credit scores and high debt-to-income ratios, and those people may likely get rejected for a loan.
While others may have low credit scores and a low debt to income ratio, indicating they can afford to repay the loan and therefore get approved.
Q – What I Don’t Get A Loan?
A. If you don’t get a loan, your options do not necessarily have to end there. You can always consider asking a loved one or friend for help or even asking if one will cosign for you on loan.
Sometimes you may not get accepted alone, but lenders may accept if you have an eligible cosigner.
Q – What Does The Application Process Involve?
A. The application process tends to be about the same for most personal loans with no credit check. First, you apply by giving your basic information such as your name, birthday, address, social security number (for a credit check), and proof of income.
Afterward, your credit gets pulled by the lenders, and they will also compare your provided income with the debts you currently have.
After looking at these factors, the lenders will offer you terms they are comfortable with within a week (as soon as a few hours for some companies).
You then choose to either accept these terms or not. If you accept the terms, you will fill out and sign the paperwork and can receive funds within a few business days, most often.
Q – What Should I Consider Before Applying For A Personal Loan?
A. There are a few things you should consider before applying for a personal loan. The first and most important is to look at your current income and decide how much you can afford to take out monthly for your repayments.
Secondly, your credit score – you will want to go into the application process with at least a general idea of what your score is.
You will also want to look into the kinds of loans. Specifically, you want to potentially pursue, as well as the total amount of money you have going out for other monthly bills. You do not want to sign yourself up for a payment you can’t afford to pay back and therefore damage your credit further.
- Concluding – Loan Lenders With Best Personal Loan Rates Of 2022
Now that we have done the research for you and provided a general guide for choosing a lending company, hopefully, you can feel at ease about the application and borrowing process. We hope you go into it feeling more prepared and can find the bad credit personal loan that best fits your personal needs while hopefully building up your credit score in the process.
The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.
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