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Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation.

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Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.