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Overall, there are options available for unbanked individuals who want to access a credit line. Overall, there are options available for unbanked individuals who want to access a credit line. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.

Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates.