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Hello, loans and microloans differ in their size and terms. A microloan is a short-term loan program for a small amount. But bank loans can be taken as small amounts, and count on much more money. As for the terms, it is unprofitable for banks to work with short-term loans, since there will be more paperwork in obtaining such a loan at the bank than profit on accrued interest on the body of the loan. Banks are focused on long-term lending programs. Currently, the tower loan credit score requirements provides good microcredit conditions for a short period, usually the average loan period is one month.