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Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate.

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Be sure to review the north terms and conditions of the loan carefully before you agree to them. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay.

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