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Your Loan, Your Business

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It's generally a good idea to keep your credit utilization below 30%. Here are some strategies you can use to manage your credit and potentially qualify for better loans:. Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate.

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Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well. However, there are also some potential drawbacks to getting a loan from a bank. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.