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The bank will then review this information to determine whether the bad borrower is eligible for the loan and, if so, how much they can borrow and at what interest rate. Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. Lender also typically checks the kearny borrower's credit score and financial history before approving the loan, which can help to reduce the risk of default.

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