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But with an online loan, you might not need a perfect credit score or collateral to be approved. A secured revolving credit line is one that is secured by collateral, such as a car or a house.

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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well.