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Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. You may be able to access the williamstown funds as soon as the next business day. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget.

Additionally, banks are typically regulated by government agencies, which can provide additional protections for the pa borrower. The process of obtaining a loan from a bank starts with the williamstown borrower submitting an application and providing the bank with information about their financial situation and credit history.