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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. One of the walkersville main advantages is the lower cost. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders.

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. Use credit wisely: If you do have credit, use it responsibly.