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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 bad time to understand your specific financial situation and help you find the right loan product. They can be a useful financial tool for small businesses, as they can provide a source of funds to cover operating costs or invest in growth.

So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Borrowers should make sure they understand the bad interest rate, fees, and repayment schedule, and ensure that they can afford the monthly payments.

Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit. Additionally, carrying a high balance can damage the loans borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts.