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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. One option you might consider is a secured credit card, which requires a deposit as collateral. It's generally a good idea to keep your credit utilization below 30%.
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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. One of the moran main advantages of obtaining a loan from a bank is the potential for a competitive interest rate.