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When you apply for a personal loan at a credit union, you may be able to work with a loan officer who will take the credit time to understand your specific financial situation and help you find the right loan product. Finally, banks may not be able to offer the illinois same level of personalized customer service as some alternative lenders, such as online lenders or credit unions. With a wide range of loan options and competitive interest rates, banks are a reliable and trustworthy choice for borrowing.