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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. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Instead, lenders rely on the loans borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer.

And once you are approved, the online money can be transferred into your bank account in just a few hours or days. Overall, there are options available for unbanked individuals who want to access a credit line.