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Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. Online loans are also very flexible when it comes to who can apply. While the bad process of obtaining a loan from a bank may require the submission of a significant amount of documentation and potentially have more stringent eligibility requirements, the personalized customer service and support that banks offer can make the process worth it.

Be sure to review the ia terms and conditions of the loan carefully before you agree to them. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house).