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More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget. It's generally a good idea to keep your credit utilization below 30%. After you apply, you'll usually find out if you're approved within a few minutes.

This means that there may be fewer protections in place to ensure that consumers are treated fairly. Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments.

After you apply, you'll usually find out if you're approved within a few minutes. Credit lines for unbanked people.