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Overall, there are options available for unbanked individuals who want to access a credit line. Installment loans can also help borrowers to build or improve their credit score. If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank.

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Overall, 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. Banks also often have a wide range of loan products to choose from, so the or borrower can find a loan that meets their specific needs. You can get a free copy of your credit report from each of the loans three major credit bureaus (Equifax, Experian, and TransUnion) once a year.