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If you are considering taking out a loan, it is important to carefully research your options and choose a lender that is reputable and transparent. Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well. They are also usually safer and less expensive than doorstep loans.

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Don't max out your credit cards or take on more debt than you can handle. Finally, banks may not be able to offer the loans same level of personalized customer service as some alternative lenders, such as online lenders or credit unions.