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Some traditional loans have strict rules about credit scores or needing collateral (like a car or house). While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay. Banks are well-established financial institutions that offer a wide range of loan products to fit the air unique needs of their customers.

That's way faster than waiting for a regular loan from a bank or credit union. Using a secured credit card responsibly can help you build or rebuild your credit.