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Overall, installment loans can be a useful financial tool for those who need to borrow a large sum of money and want to pay it back over a longer period of time. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.

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They are also usually safer and less expensive than doorstep loans. Check out reviews and compare terms and fees from several different lenders before you decide which one to use.