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• 01:35, 14 December 2025 Admin talk contribs created page Online Lending (Created page with "__NOTOC__ '''Online Lending Applications''' (OLAs) are mobile apps that offer instant cash loans to borrowers with little to no credit history. Unlike traditional banks that require collateral and weeks of processing, OLAs use alternative data (such as phone usage, contacts, and social media activity) to approve loans in minutes. While they have democratized access to credit for the unbanked, the industry is infamous for '''predatory lending practices''', leading to a m...")