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What Retail Lenders Really Do: How Consumer Credit Works, Who Provides It, and Why It Matters in Today’s Financial System
Retail lenders sit at the heart of the personal finance world, shaping how individuals access credit for everyday needs, major purchases, and long-term investments. These institutions make borrowing possible for millions of consumers by offering a wide range of credit products tailored to individual buyers rather than businesses. From personal loans to home mortgages, retail…