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Upstarts loans have an origination fee of up to 8. Some credit unions may have a smaller geographic footprint.

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Here are a few more things to think about before selecting a credit union for your banking needs.

. OneMain Financial OneMain allows you to apply for prequalification for personal loans ranging from 1500 to 20000. Additional considerations when using a credit union. Note that OneMains loans come with relatively high APRs along with origination and late fees so be sure to shop around and compare all of your options.

Credit unions have many advantages but there are still some downsides to consider.

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