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Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. The interest rate on a bank loan is typically based on the online loans stamford connecticut ct bad credit online loans stamford ct borrower's credit score and financial history. Cardholders should also be aware that using a cash advance on a credit card can be a sign of financial distress, which can impact their credit score and their ability to borrow money in the bad credit loans waynesville missouri mo bad credit bad credit loans waynesville mo future.