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Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.

These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. This includes personal loans, mortgages, car loans, and business loans. Keep your credit utilization low: Credit utilization is the loans amount of credit you're using compared to your total credit limit.