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Finally, banks may not be able to offer the online same level of personalized customer service as some alternative lenders, such as online lenders or credit unions. However, there are also some potential drawbacks to getting a loan from a bank. Learn more about managing your credit and improving your credit score.

Here are some strategies you can use to manage your credit and potentially qualify for better loans:. Keep your credit utilization low: Credit utilization is the online amount of credit you're using compared to your total credit limit.