which people may apply through the Internet: home equity line of credit, personal line of credit, home equity loan, and personal installment loan.

A person who submits a loan application through Wachovia's Web site is to get back an e-mail verification with a user name and password.

Within one business day, the consumer can revisit Wachovia's Web address, type in the user name and password, and find out whether the loan has been approved.

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