How does the system choose an account to send money from?

The system selects an account with sufficient funds. If a user has several accounts with sufficient balances, the system will ask the user to make this choice.

Shall I create my own loan application or choose one of the existing ones?

It all depends on your preferences. If time is of essence, choosing an existing loan offer is a smart choice as you will receive money fast. When you create your own application, you can ask for better terms for yourself, but you will have to wait for a lender who is willing to accept them.

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