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Credit lines for unbanked people. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs.

Some traditional loans have strict rules about credit scores or needing collateral (like a car or house). Overall, installment loans can be a useful financial tool for those who need to borrow a large sum of money and want to pay it back over a longer period of time.

That makes it easier for people who might have trouble getting approved for other types of loans. Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. A personal loan is a type of loan that is issued by a lender to an individual borrower, rather than a business or organization.