在申请个人贷款前请仔细阅读条款。
Please read the clauses carefully before applying for a personal loan.
我想申请个人贷款。
申请人从主流贷款平台申请个人贷款，需要办理大量手续才能拿到需要的资金，这个过程花费时间过长。
Applicants for personal loans from mainstream lenders are having to navigate reams of red tape in order to get the finance they need, and the process is taking longer than ever before.
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