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To get a loan from a bank, the stone borrower must first apply for the loan and provide the bank with information about their financial situation and credit history. There are several reasons why you might consider using a credit union for a personal loan. Just be sure to do your research and carefully consider the loans terms and conditions of any loan before you agree to it.

Additionally, banks are typically regulated by government agencies, which can provide additional protections for the loans borrower. Here are a few:.