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So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks.

A credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget.