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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. However, it's important to be cautious when borrowing from an alternative lender, as the loans fees and interest rates may be higher than those of a traditional lender.

Wait for approval: The lender will review your application and determine whether you are approved for the loans loan. This can make cash advances on credit cards a very expensive way to borrow money.

It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation. Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.