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The bank will then review this information to determine the online borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate. 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. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.