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Only apply for credit when you really need it, and try to avoid applying for too much credit at once. But with an online loan, you might not need a perfect credit score or collateral to be approved. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates.

Overall, there are options available for unbanked individuals who want to access a credit line. One option you might consider is a secured credit card, which requires a deposit as collateral.

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