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These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans.

This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. There are several reasons why you might consider using a credit union for a personal loan.

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