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And if you live in a rural area, it can be hard to find a traditional lending place nearby. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.

If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget.

Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. They offer a predictable payment schedule and often have lower interest rates than other types of loans.