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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. Payday lenders, on the bad other hand, often require the borrower to have a certain credit score and may also require proof of income and employment.

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Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. The bank will then review this information to determine the loans borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate.