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Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well. For example, many online lenders do not require a minimum credit score or collateral. History at all, a secured credit card may be easier to get approved for than a traditional credit card.

Payday lenders, on the loans other hand, often require the borrower to have a certain credit score and may also require proof of income and employment. That's way faster than waiting for a regular loan from a bank or credit union. They are also usually safer and less expensive than doorstep loans.