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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. That's way faster than waiting for a regular loan from a bank or credit union.

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Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. By using their revolving credit line responsibly, borrowers can access the land financial flexibility they need while also building or improving their credit score.