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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. Borrowers should also be aware that defaulting on an installment loan can have serious consequences, including damage to their credit score and the loans possibility of legal action. And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you.