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These loans often have faster turnaround times and more flexible eligibility requirements than traditional loans, making them a good option for those who have less-than-perfect credit or live in a rural area. That's way faster than waiting for a regular loan from a bank or credit union.

History at all, a secured credit card may be easier to get approved for than a traditional credit card. Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. And if you live in a rural area, it can be hard to find a traditional lending place nearby.