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These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

History at all, a secured credit card may be easier to get approved for than a traditional credit card. One option you might consider is a secured credit card, which requires a deposit as collateral.

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