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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. After you apply, you'll usually find out if you're approved within a few minutes. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house).

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. This can be done at an ATM, bank, or other location that offers cash advance services.