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Keep your credit utilization low: Credit utilization is the loans amount of credit you're using compared to your total credit limit. 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 quinton time to understand your specific financial situation and help you find the right loan product. Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases.

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