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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. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.

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When you apply for a personal loan at a credit union, you may be able to work with a loan officer who will take the loans time to understand your specific financial situation and help you find the right loan product. These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan.