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This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. It's important to note that payday loans can be very expensive and should only be used as a last resort.

That makes it easier for people who might have trouble getting approved for other types of loans. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.

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