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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. They offer a predictable payment schedule and often have lower interest rates than other types of loans.

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Don't max out your credit cards or take on more debt than you can handle. Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the online interest rates on payday loans. Overall, there are options available for unbanked individuals who want to access a credit line.