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Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. History at all, a secured credit card may be easier to get approved for than a traditional credit card.

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Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. Community involvement: Credit unions are often closely tied to the piney communities they serve, and they may offer special loan programs or discounts to members who live or work in those communities.