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Overall, there are options available for unbanked individuals who want to access a credit line. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house). This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the crothersville borrower has.

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Additionally, carrying a high balance can damage the bad borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts. Only apply for credit when you really need it, and try to avoid applying for too much credit at once. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the credit APR on a credit card cash advance is typically around 25% or higher.