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As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. 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.

And if you live in a rural area, it can be hard to find a traditional lending place nearby. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit.

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