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Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans. Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget.

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. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house). Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years.

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