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The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. That's way faster than waiting for a regular loan from a bank or credit union.

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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. The personalized customer service and support offered by banks can also make the bad process of obtaining a loan a positive and seamless experience.