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Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. That means you don't have to take time out of your busy schedule to go somewhere in person.

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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.