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Best Bad Credit Loans Guaranteed Approval In 2021: Get Personal Loans & Emergency Loans For Bad Credit From Top Rated Same Day Loan Companies | Top Direct Payday Lenders To Get No Credit Check Loans For Poor Credit Score

Bad credit is like a disease that sneaks its way into your finances and by the time you realize you caught the infection, it’s already too late. Luckily, it’s a curable disease, but let’s not sugar coat things. You’ll need to be ready to take decisive action to kick this. With our list of the best bad credit loans with guaranteed approvals, we’re here to help. We’ve researched the best lending platforms to connect you with top lenders.

Unfortunately, the best payday loans are usually reserved for people with good credit. Lenders tend to be hesitant to hand out loans to borrowers with bad credit. Nonetheless, there are more than a few out there that are ready to hand out cash, regardless of your credit standing. We’ve got the inside scoop on the best direct lenders for borrowers with bad credit. We’ll even walk you through step-by-step how to secure your loan and keep the vultures at bay.

2021’s Top 5 Best Online Bad Credit Loans Platforms With Guaranteed Approval:

  1. MoneyMutual – Overall Best Loan Company For Bad Credit Loans
  2. BadCreditLoans – Best For Installment Loans For Bad Credit
  3. CashUSA – Guaranteed Fast Cash Loans With No Credit Check
  4. Personal Loans – Best Lender For Personal Loan With Bad Credit
  5. Credit Loan – Fastest Lending Platform For Urgent Quick Loans

#1. MoneyMutual: Overall Best Loan Company For Bad Credit Loans

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According to a Federal Reserve report, 12% of adult Americans cannot generate $400 in a hypothetical emergency. Even those who can cover an emergency expense would put it on credit.

Furthermore, it’s a nearly impossible quest to find a trustworthy lender as an individual. Then, one would have to meet the draconian requirements that include sky-high interest rates. But it doesn’t have to be that way because lending platforms such as MoneyMutual can help.

MoneyMutual acts like a bridge between borrowers and short-term lenders. So, borrowers can obtain funds in the shortest time possible. Sometimes, within 24 hours. Anyone with an internet connection can do it. And it has been working since 2010.


  • Free application
  • Quick loan request approval
  • Secure platform
  • Same-day bad credit loans with guaranteed approvals
  • Access to a network of 60+ lenders
  • Easy to use website


  • Not available for non-US citizens
  • MoneyMutual isn’t responsible beyond the point of signing your agreement
  • Proof of income required


You can post your loan request package on MoneyMutual in minutes. After that, you let the magic algorithms match you with the best lenders. It’s like sending a distress signal. Instead of going to lenders, you make them come to you. Furthermore, MoneyMutual provides tracking tools to stay on top of your loan offers.

Consequently, you get to compare loan offers from different lenders. When you find a loan offer you like, MoneyMutual will move you to the lender’s website. After that, you can do in-depth research of the lender, understand the requirements, and finalize your loan.

Next, you’ll keep in touch with your lender to stay updated. It’s a seamless process. The real work is in preparing your loan request package; everything else is as easy as ABC.

When you’re happy with the agreement, the lender will deposit the loan in your bank account. It takes one business day to get the loan in your bank account. Above all, know that MoneyMutual introduces borrowers and lenders. Therefore, MoneyMutual doesn’t interfere or control your agreement with the lender.

Customer Experience

Without a doubt, MoneyMutual is the number one lending platform for bad credit loans with guaranteed approvals. As the positive experience of more than 2,000,000 borrowers can’t be wrong. Furthermore, tons of positive reviews around the internet prove that MoneyMutual is the best.

Specifically, borrowers enjoy the fact that MoneyMutual has no hidden fees. It connects you to the lender directly without a middle man. Furthermore, bad-credit borrowers appreciate the swiftness of transferring the loan into their bank accounts. That’s how MoneyMutual is the most trustable lending platform.

The final testament of integrity is customers going above and beyond to recommend MoneyMutual to family and friends. Additionally, MoneyMutual is the secret weapon for financially literate people to fight against unexpected financial setbacks.

⇒ Click Here to Visit the Official Website of MoneyMutual

#2. BadCreditLoans: Best For Installment Loans For Bad Credit

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BadCreditLoans is another option that will connect borrowers and lenders. It’s the second-best lending platform to get you bad credit loans with guaranteed approvals.

Regardless, BadCreditLoans is the place to go for fast guaranteed bad credit loans and credit cards, mortgage loans, and business loans. You name it, BadCreditLoans covers it.

What we appreciate most about BadCreditLoans is their transparent policy. They put the borrower first. Thus, you can be sure that you’re not getting yourself into the dreaded debt cycle. Financial literacy is a priority at BadCreditLoans, and they spare no effort to help you with it.


  • Apply in a few minutes
  • No mediator between you and the lender
  • No need to search for lenders yourself
  • Access to a vast pool of lenders even if you get no loan offers
  • Get all the facts about the lender from the get-go
  • No pressure or scare tactics
  • $10,000 bad credit loan guaranteed


  • Maximum $1,000 loan if your credit score is way below 580 points
  • Poor rating on Better Business Bureau


Therefore, whenever you need guaranteed loans for horrible credit between $500 and $10,000, you can count on BadCreditLoans. Most of all, we appreciate their payment flexibility that allows you to repay your loan in 36 months—more than enough time to get your finances together.

The interest rate will range from 5.99% and 35.99% APR which depends on the agreement with your lender.

The minimum age to apply for a loan with BadCreditLoans is at least 18 years old. You also need to prove income, US citizenship, and a bank account in your name.

You can apply in three simple steps and have the loan in your bank account without hassle. Firstly, prepare your loan request with pertinent information. The information includes the loan size, why you’re borrowing, citizenship documents (SSN or Photo ID), bank information, and valid contact information.

Upload your application, and BadCreditLoans will spread it far and wide for lenders to make their offers. Next, you’ll get in touch with the lenders to discuss the details.

Without pressure, you can accept or deny the offer. You study the contract from every angle; if you like it, you can sign it. If you don’t like it, you can pass.

When you decide to take the loan, you’ll have to give your e-signature. Then, you’ll have the amount in your checking account shortly. If you refuse the offer, you can try sending another request and get new offers.

Furthermore, you can update your information to reflect new changes in your finances. The better your finances, the more negotiation power you have.

Customer Experience

In short, BadCreditLoans is an established lending platform to find guaranteed lenders for bad credit. The merit of using BadCreditLoans is that they don’t emphasize your credit score as banks do. That’s why it has grown in popularity among bad credit borrowers in recent years.

On the other hand, they raise the bar a little when it comes to the information in your loan request. But we promise it’ll be worth your while to invest the time in preparing a winning loan request.

⇒ Click Here to Visit the Official Website of BadCreditLoans

#3. CashUSA: Guaranteed Fast Cash Loans With No Credit Check

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CashUSA is another trusted lending platform to help you get bad credit loans with guaranteed approvals. With CashUSA, you can borrow a $10,000 loan. However, your loan might get smaller based on how bad your credit score is. The interest rate will also vary from 5.99% to 35.99% APR.

CashUSA also focuses on giving you all the information to make a sound decision in a few clicks for free.

Furthermore, the education center contains information about credit, finances, debt, and much more. If you read everything on the CashUSA website, you’ll become a loan expert in no time. In other words, you’ll be immune to manipulation.

Therefore, you won’t only connect with lenders, but also you’ll have the information to do it right. Minimize your risks and get educated. In other words, finance coaches would charge you thousands of dollars to teach you a lot less about your finances.

Meanwhile, let’s dive in and see what CashUSA will offer and how it’ll help you get your loan.


  • No fees to apply
  • Fast application processing
  • Trusted by one million monthly website visitors
  • Repay loan installments in up to 70 months
  • Get connected with many lenders securely
  • Encrypt your information and store them safely
  • Lots of free finance content
  • Discreet method to get fast cash


  • Long time to prepare a credible loan application
  • Provide a lot of personal information


CashUSA works similarly to the lending platforms we discussed above. You apply on the website by filling the form, which contains your information. You’ll need to add your name, email address, military status, and the loan size you want.

After that, you’ll add more information like phone number, home address, mortgage status, monthly income, your boss’s information, Photo ID, and SNN.

Lastly, you provide additional information about your bank accounts and other details.

It might feel like a lot of work because you’re providing sensitive information. However, the more details you can provide, the more you improve your loan request package, the higher your chances of landing the loan.

Plus, it’s way easier than interviewing many lenders, hoping they’ll offer you a loan. What’s more, you’ll have to go through an even longer process and wait for weeks to get the loan. Sometimes, you may take all the steps and still fail to get it.

With CashUSA, it’s all digitized, and it’s easier for borrowers and lenders to find each other. The main difference is that you’ll get a lender that matches your borrowing requirements.

You can leave it to CashUSA to do the searching, qualifying, and filtering. You’ll get the offers while you’re in your pajamas, drinking a warm cup of coffee. In short, you can skip in-person meetings with uninterested lenders.

Customer Experience

Borrowers depend on CashUSA when their finances aren’t going well. In particular, CashUSA is safe, fast, and secure. Time and time again, CashUSA was there when borrowers needed it the most. So, you can depend on CashUSA to pump up your bank account when no one else seems to care.

⇒ Click Here to Visit the Official Website of CashUSA

#4. Personal Loans: Best Lender For Personal Loan With Bad Credit

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Whether it can wait or urgent, Personal Loans promises swift lending services. It’s not the easiest thing in the world to get a personal loan almost instantly. In particular, when your credit score is in deep trouble. Furthermore, you can even get as big a loan as $35,000.

Personal Loans will even extend your reach to lenders outside their immediate circle. It’ll require sharing your information, but it’ll help you get more loan offers. Of course, it’s optional, and you can unsubscribe anytime you like.

We assure you, Personal Loans will do what’s best for you. It’ll only share your information with trustworthy lenders. After that, you can do your research before committing to a specific lender.

Similarly, Personal Loans won’t charge you a cent for these services. It’ll get borrowers and lenders together. The lending platform’s role ends once a borrower and lender connect.

If you want to know the Personal Loans story, then keep reading.


  • Get funds in your bank account within 24 hours
  • Relaxed repayment terms
  • 72-month repayment plans
  • Free to apply, accept, or reject an offer
  • Improve your credit score by paying on time
  • An explanation for required information
  • Loans up to $35,000


  • Credit score below 600 points will decrease the loan amount


The application processing starts by the moment you land on the website. It’s like a routine check that every borrower makes in the beginning. We like how Personal Loans give you reasons why they ask about specific information while filling the form. It builds trust between the lending platform and the borrower.

After that, Personal Loans provide your information to their network of lenders. Lenders who see potential should contact you about their offer. From that point, you move forward to the lender’s website.

Another positive point for Personal Loans is that they don’t ask for more information before connecting you to a lender. However, the lender might ask for additional information. But that’s another story.

If you’re comfortable with the lender’s terms and conditions, you can proceed with getting the loan. Once you seal the deal, the lender will transfer the funds to your bank account. You don’t need to worry about anything else.

Why? Because Personal Loans provide payment relaxation. In other words, when you can’t make your repayment on time, you can contact customer support or the lender. Then, they’ll put a new date for your next installment.

If you missed the deadline again, you could still talk to your lender about it. Usually, the lender will give you another chance to make your payment on time.

Customer Experience

Among hundreds of lending platforms, borrowers choose bad credit Personal Loans because it offers flexible repayment installments, faster process, and more dependable, safer, and robust procedures for borrowing. Furthermore, Personal Loans connect you with trustworthy online lenders with fewer limitations, flexible installments, and several loan types.

⇒ Click Here to Visit the Official Website of Personal Loans

#5. Credit Loan: Fastest Lending Platform For Urgent Quick Loans

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Let’s start with the numbers. Credit Loan has served more than 750,000 borrowers since 1998. The platform’s mission is to give borrowers and lenders the necessary tool to secure loans in a friendly environment.

Credit Loan stand out because they provide reasonable interest rates. It goes the extra mile to get your loan, whether with a high or low credit score. Furthermore, it’ll connect you with serious lenders. That way, nobody else except qualified lenders will even know about your loan request.


  • Quick information processing
  • Fortress-like information encryption and storage
  • TRUSTe-certified
  • Digital signature
  • Physical presence is not necessary
  • Loan approval in 24 hours
  • Best for small loans
  • Professional staff


  • Loan limit $5,000


Lending platforms work in similar ways. You sign up, upload your application, and get loan offers from lenders. However, Credit Loan is unique because it provides the best lowest interest rates on small loans.

In addition, Credit Loan takes your privacy seriously. They implement industry-grade security measures to keep your information safe. It’s something similar to Fort Knox, where hackers and crackers can’t steal one bit of your data.

We know it because the Credit Loan website is TRUSTe-verified, which means it implements the highest security standards in the industry. One of these security measures is the McAfee SECURE certifications, which protect your financial information while browsing the website.

Anyways, after you submit your information, Credit Loan forwards it to the lender’s network. If a lender wants to honor your request, Credit Loan will give you their information. From that point, you can discuss the details with the lender. It may sound like a long order, but it happens in a few hours.

After agreeing to the terms and conditions, you can go ahead and sign the agreement. If you don’t like the terms, you can skip the lender and find another. No one can push you into bad credit loans with guaranteed approvals; you have to choose it.

Unless you agree on something else, the lender will usually send you the money within 24 hours. With the money in your bank, the clock starts ticking to the first repayment schedule.

Customer Experience

Borrowers reported a friendly experience at CreditLoan. Everything is effortless, from applying, processing to landing a loan offer. Most importantly, CreditLoan is popular amongst borrowers eyeing a quick financial gain without much effort.

Furthermore, borrowers can repay the loan at a comfortable rate that doesn’t burden their finances. Reportedly, some borrowers improved their credit score by having the lender report on-time payments to credit bureaus.

⇒ Click Here to Visit the Official Website of Credit Loan

Factors To Look For While Getting Online Loans For Bad Credit

There are many moving parts when it comes to getting the best bad credit loans with guaranteed approvals. Things you should consider even before you apply. It’ll make or break you positive results.

Lender’s Requirements

Usually, lenders set a minimum credit score for accepting you as a borrower. The average credit score hovers around 620 points on the FICO scale. You can still get a loan at a lower credit score but with a higher interest.

Even more, how much you owe in contrast with how much you pay is your debt-to-income ratio. It’s the balance between your earnings and debt payments. It means bad-credit borrowers have an income source to pay the loan.

It’s not uncommon to meet lenders who put an annual income limit. However, other lenders will remove or lower the limit in light of other considerations. For example, they’ll obtain your financial information and calculate how likely you will pay off the loan.

Lenders are adept at digging up your credit history and collecting your financial data. Of course, they do it within legal means. So, if you want to reach a win-win agreement, be as straightforward as you can be.


If you don’t tick all the boxes, consider having a co-signer. For example, if your credit score is too low, get a friend or family member with a high credit score to help you. Your co-signer can be a guarantee to the lender that you’ll pay the loan.

Basically, what you are saying is if you miss or delay your payment, your co-signer will pay for you. In other words, the co-signer is equally responsible for paying the loan. Furthermore, a co-signer with a high credit score can be a reason to lower the interest rate.

However, be wary that you might risk your relationship with your co-signer if you don’t pay your installments. Not only will the co-signer be liable for the money, but if they fail, their credit score will take a hit.

Interest Rates

The interest rate should be the first thing you examine in a loan offer. It’s the determining factor and point of comparison between loan offers. Usually, borrowers with high credit scores can negotiate a lower interest rate better than bad credit borrowers. Pardon the expression, but beggars can’t be choosers.

Interest rates might be fixed or indexed. If it’s a fixed interest, it’ll remain at the same level until you pay it fully. If it’s an indexed interest, it’ll tie to a specific benchmark with the rate fluctuating as that benchmark changes.

Agreement Terms

According to the Truth In Lending Act, you can reverse your decision to get a loan within three days, even if you started the process. If you sign the agreement, there’s “no way out” of it.

In the same vein, lenders must disclose APR, loan cost, and agreement terms. You must comb through the fine print carefully to make sure they’re in your favor. If possible, get a lawyer. Most of all, you want to know you can pay the installments on time.


When you use a lending platform, you don’t pay any fees. The lender does, and they might add that charge to your loan. There are other administrative fees that lenders might ask you to pay. Those charges can add up to 5% of the loan amount.

Furthermore, some lenders add an origination fee to your loan. It’s a “necessary evil” to pay origination fees because they can lower the interest rate. On the bright side, they’re negotiable. Delayed payments are also a factor. Some lenders will apply it for every delayed day, and some would start imposing it every day after 10-15 delayed days.

Others won’t charge any late fees. However, lenders who charge late fees, they’re between $15 and $30.

5 Easy Steps To Get Urgent Loans For Bad Credit With Guaranteed Approvals

Prepare in advance to get bad credit loans with guaranteed approvals. Preparation is the fundamental building block of your success here. Furthermore, your negotiation skills will be an aid in your quest.

Step 1: Self-Audit Your Credit Report

Get your credit report from one of the credit bureaus and analyze it. You’ll find a few areas where you can increase your score. Every point counts. Why? Because improving your credit score will directly lower the interest rate.

Lenders largely depend on your credit score and credit history to make a decision. You can improve your credibility by working on these two fundamentals even before you apply for the loan.

Therefore, before you make your move, ensure that your credit history is in the best shape possible. We recommend that you start early. For example, you can start preparing three months in advance. Three months are enough to settle disputes, clear past debts, and set the record straight.

Some of these procedures take up to 30 days to finalize. You’ll also have time to analyze your credit history correctly. Go beyond quick fixes and find the most significant pain points if you want to increase your credit score significantly.

Step 2: Plan Everything (Budgeting)

At least, have a range in mind of how much you want to borrow. It’ll make budgeting more realistic. Next, know how much of your income to put aside for paying the installments. Or if you’re going to use your savings, cut expenses, or generate a new source of income.

Don’t worry; your budgeting won’t always be perfect. However, having a budgeting plan in place is better than nothing at all. You can optimize your budget as your circumstances change for the better.

Furthermore, doing this work will improve your position while negotiating your loan. After all, it’s a business deal. You get the most of it when you know what you want and don’t want.

Plus, it’s the best way to avoid the debt cycle. Trust us; you don’t want to keep paying while the interests are compounding. Budgeting will help you cut your way through the loan installments like a knife in the butter.

Step 3: Scrutinize The APR

With poor credit scores, you’re walking on quicksand. So, you should count every step. One of the sneakiest traps is not examining the Annual Percentage Rate (APR).

APR tends to multiply over time. Even a low APR can accumulate so much interest to pay over a long period. The astute borrower can’t afford to fall for this trap.

Therefore, when receiving multiple loan offers, compare the APR. Then, match it to your budgeting plan.

Don’t look for a low APR because even a low APR can accumulate interests quickly. Instead, you want a fixed APR that doesn’t fluctuate repeatedly.

Also, look for pre-approved loans. Lenders that offer pre-approval won’t check your credit score. All in all, leave no stone unturned and go deep in examining the terms and conditions.

Step 4: Watch Out For Opportunists

Extortion isn’t always easy to spot. You have to develop a thick skin to avoid bad credit loan scams.

For example, dodgy lenders demand an advance fee even without asking about your credit history. They keep harassing you with “too good to be true” loan offers. Furthermore, they’re not even state-licensed. Only work with ethical lenders you meet through a trusted lending platform.

Step 5: Pay Your Loan Installments On Time

You can avoid late fees and improve your credit score when you pay on time. After all, it’s your legal obligation. Furthermore, the longer you hold the loan, the bigger the interests grow. Follow all the steps, and you’ll pay your loan before you know it.

Alternatives Bad Credit Loans Online With Guaranteed Approvals Options

There are probably 101 alternatives to bad credit loans with guaranteed approvals. But let’s stick to proven methods of generating money quickly, safely, and legally.

When some doors close, others open. So, we’re sure one or more of these personal loan options alternatives will work for you.

Think Inside The Box

Look around your house; there is probably something you can sell for a few hundred dollars. Be it old electronics, heirloom, or furniture, make sure you don’t use it often. Find something valuable that you won’t miss much and sell on Facebook Marketplace, eBay, or Craigslist. If you have a car, consider renting it or becoming an Uber driver temporarily.

Ask Your Employer For Help

Appeal to your employer’s good side, and ask them for a raise. If it’s not possible, ask for an advance payment. If you’re a valuable employee, your employer will happily help you.

Borrow From Your Family, Friends, or Coworkers

If all else fails, reach out to your social circle. You probably made friends here and there. It’s worth contacting them for a quick loan. Even if it has been years, you never know who still remembers you and would like to help.

It amazes us every time how old friends are willing to help selflessly. So, don’t underestimate the power of your social circle. At the same time, you want to assure them you’ll pay it back. If necessary, discuss terms and conditions as if they were an established lender. You don’t want to lose your family and friends.

FAQs Regarding Bad Credit Loans

Q. How Can You Find Out Your Credit Standing?

By law, you get a free annual credit report. You can obtain your copy by visiting Be careful because you only get one free credit report per year. Otherwise, you’ll have to create a paid account from one of the three primary credit bureaus.

Next, you want to teach yourself about the FICO. It’s how you measure your credit score on a scale from 300 to 850.

A credit score between 580 and 669 isn’t bad, but it’s not good either. Therefore, under 580 points is low, and more than 670 is good.

Q. Can You Fix A Low Credit Score?

Yes, you can improve your credit score. It’s not only for gauging your credibility. Firstly, you can analyze your credit score for quick wins. Other than that, lifestyle changes can do it. For example, you can pay your bills on time. Pay off your debts. Stay on the good side of the law. It’s that simple.

Q. Is A Bad Credit Score The End Of The World?

A bad credit score will affect all aspects of your financial life. Whether getting a job, buying a house, or applying for a loan, you need a good credit score.

Even when buying other credit products, you need to have your credit score in excellent shape.

An excellent credit score will also give you financial advantages. You’ll get better rates on your insurance policies. Become qualified for a lower credit card interest. And get quicker approvals when you apply for utilities.

Q. How Quickly Can You Get A Bad Credit Loan With Guaranteed Approval?

Mostly, bad-credit borrowers have an urgent need for loans. Online lending platforms can be your best friends during these uncertain times. Applying takes a few minutes to complete with a simple-to-upload application. Furthermore, you can be negotiating with a lender within 24 hours from now.

You can even have the cash in your bank account within those 24 hours. The process is as easy as 123, and any adult can do it even with a bad credit score.

Q. Can I Get A Bad Credit Loan With Guaranteed Approval Without A Credit Check?

It’s possible to get a loan without a soft credit check. But, it doesn’t come cheap. The lenders might charge a higher interest rate to secure their investment. They might impose harsher measures to ensure they get their money back. It’ll come in extra fees for you.

Desperate times call for desperate measures; here are three ways to get a quick loan.

Firstly, you can pawn your valuables at a pawn shop. The pawn shop will lend you the money and keep your item. Later, you can pay back the loan (with interest) and get it back. Otherwise, the pawnshop will be free to sell your stuff and get the money back.

Secondly, you can apply for an auto title loan. In essence, you transfer ownership of your car to a lender for the loan. Likewise, the lender gets to keep the vehicle if you don’t pay it back.

Thirdly, you can apply for a payday loan. You get the loan but promise the lender to take your paycheck amount every month. Failure to pay your loan may lead to serious legal action.

We acknowledge that these three ways are dangerous. Again, desperate times call for desperate measures. If you have the determination, you’ll persevere.

Summing Up: Which Is The Best Bad Credit Loan Company?

Financial setbacks are unpredictable. Sometimes, there’s no time to prepare a loan request package. But, everyone has a few (or many) throughout life at all income levels.

You’re not alone. Many people managed to climb out of a financial black hole with the help of online lending. Some people are still struggling; if you’re one of them, we promise you, the grass is greener on the other side.

By now, you have all the knowledge you need to make your move. With little planning, it’s easy to get your finances under control. Minimize and even reverse the damage as well.

In this article, we covered every aspect of each platform. Choose one that seems good to you. To be clear, don’t apply through all of the networks. It’ll harm your credit score if you apply for many loans at once. Pick one and stick with it to the end, just to help you out we suggest going for MoneyMutual without having second thoughts.

Why delay? Get immediate financial relief today. All of them are free to use, secure, and quick. And you can do it all online from the privacy and comfort of your home.

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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