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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. Borrowers should also be aware that defaulting on an installment loan can have serious consequences, including damage to their credit score and the jersey possibility of legal action. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.

Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. There are several reasons why you might consider using a credit union for a personal loan.