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Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. For example, many online lenders do not require a minimum credit score or collateral.

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It is important for borrowers to carefully consider their options and choose the pa loan product that best meets their needs and financial situation. There are two main types of revolving credit lines: secured and unsecured. Overall, there are options available for unbanked individuals who want to access a credit line.