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There are two basic ways to submit your loan application: (a) in person at the bank/company office; or (b) online. Most companies now have online platforms where you can submit an application. Just be sure to have a digital copy of all the required documents, so you can upload them directly. 4. Wait for loan approval.

Instant cash now. The top rates are paid by app-based accounts. Plum pays the top rate of 5.15% (min £100), though the rate drops to 4.29% after a year. You'll also get 4.29% interest on money deposited via a transfer in from another cash ISA. If you make more than three withdrawals in a year, the rate will drop to 3%.

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