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And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. For example, many online lenders do not require a minimum credit score or collateral.

They will then be able to withdraw a certain amount of cash, up to their cash advance limit. Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit.

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