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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 can be especially beneficial for those who are trying to improve their credit or who have a limited credit history.

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This means that people with less-than-perfect credit or those who do not own a home or car may still be able to qualify for an online loan. Here are some strategies you can use to manage your credit and potentially qualify for better loans:.