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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. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders.

History at all, a secured credit card may be easier to get approved for than a traditional credit card. It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation.

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