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While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay. Credit lines for unbanked people. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget.

Only apply for credit when you really need it, and try to avoid applying for too much credit at once. Credit card cash advances do not have a fixed repayment schedule, which means that the online borrower can pay off the loan at their own pace.

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