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To avoid these pitfalls, it is important for borrowers to carefully manage their credit line and only borrow what they can afford to pay back. Credit lines for unbanked people.

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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. 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.