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Although it may seem easier to just fill in one application form and let a broker take it from there, it is obviously much better to apply through a direct lender.

If you qualify, you will have to visit a branch to complete the application.

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The Bureau is not proposing to cover longer-term loans made without a leveraged payment mechanism or vehicle security in part because if a lender is not assured of obtaining a leveraged payment mechanism or vehicle security as of the time the lender makes the loan, the Bureau believes the lender has a greater incentive to determine the consumer's ability to repay.