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If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Credit lines for unbanked people.
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Get your money: If your application is approved, the bad lender will deposit the loan amount directly into your bank account. Only apply for credit when you really need it, and try to avoid applying for too much credit at once. Installment loans can also help borrowers to build or improve their credit score.