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However, it's important to be cautious when borrowing from an alternative lender, as the credit fees and interest rates may be higher than those of a traditional lender. Online loans are also very flexible when it comes to who can apply.

This process can take anywhere from a few minutes to a few days, depending on the loans lender. This means that there may be fewer protections in place to ensure that consumers are treated fairly. Overall, there are options available for unbanked individuals who want to access a credit line.