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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. Use credit wisely: If you do have credit, use it responsibly.

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These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans.