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Overall, 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. You can get a free copy of your credit report from each of the in three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Just be sure to do your research and carefully consider the indiana terms and conditions of any loan before you agree to it.