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Here are a few:. This can be especially useful for those who may not have the bad funds to repay a payday loan in a single lump sum.

Overall, there are options available for unbanked individuals who want to access a credit line. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. You can get a free copy of your credit report from each of the bad three major credit bureaus (Equifax, Experian, and TransUnion) once a year.