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That means you don't have to take time out of your busy schedule to go somewhere in person. 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.

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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. You may be able to access the hayes funds as soon as the next business day.

Credit card issuers typically have less stringent eligibility requirements than payday lenders, and the bad borrower's credit score is not typically a factor in their approval. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.