Your "not that regular" all-around gal, writing about anything, thus everything. "There's always more to discover... thus write about," she says in between - GASP! - puffs. And so that's what she does, exactly. Write, of course; not (just) puff.
In essence, online lenders can tell you instantly whether you're approved, the amount you can borrow, and what your payments will be. However, there...