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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. And if you live in a rural area, it can be hard to find a traditional lending place nearby.

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The bank will then review this information to determine the wv borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate. Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card. 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.