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USPS employees can benefit from personal loans, which are unsecured and based on creditworthiness rather than collateral. These loans can be taken for 1-3 years, with rates ranging from $1,300-$4,000, up to $4,000-$20,000, and up to $20,000-$32,000. Allotment loans are available for those with a good credit rating, age 21-70, and an annual income of at least $15,000. If a borrower is unsure of their eligibility, they can use the Fast Checker feature to get a clear indication of their loan application’s acceptance and an approximate rate. Key advantages of allotment and personal loans include flexibility over early repayment, eligibility checker, next-day funding facility, instant decisions, and attractive interest rates. However, it is important for the borrower to ensure they have the necessary data to apply for these loans.