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Credit unions function in must the same way as banks; the difference is that credit unions are nonprofit organizations with legally-mandated missions to serve specific, local communities.These two factors allow them to be more flexible and understanding when it comes to borrowers with less than great credit.With peer-to-peer lending, you create an online profile where you can detail your financial circumstances, background information, and reasons for needing the loan.While these are not the only options available for someone with not-so-fantastic credit, they are some of the simplest and easiest to work with.

Sub-prime credit may be an obstacle to your financialfreedom, but it is by no means an insurmountable one.

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