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Only apply for credit when you really need it, and try to avoid applying for too much credit at once. Finally, banks may not be able to offer the online loans wheelwright kentucky ky bad credit online loans wheelwright ky same level of personalized customer service as some alternative lenders, such as online lenders or credit unions.

Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. 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. For example, many online lenders do not require a minimum credit score or collateral.

Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.