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Here are some strategies you can use to manage your credit and potentially qualify for better loans:. Online loans are also very flexible when it comes to who can apply. This means that people with less-than-perfect credit or those who do not own a home or car may still be able to qualify for an online loan.

They offer a predictable payment schedule and often have lower interest rates than other types of loans. Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate.