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You need to open one with them first, then you can try to get the loan
Yes, for banks. Credit Unions may or may not (depends on the Credit Union) have membership eligibility guidelines that you need to meet.
You can apply, if your credit is really strong then yes they will probably do it, if not probably not, a lot of time though you can get discounts on the interest rates for having accounts with them or setting up automatic payments.
I think so. But be aware that people offering loans over email with convenient rates and almost no paperwork are fraudsters.
They lure you into getting the loan and then request a fee to be paid before the money is sent to you. There's no money, there's no bank. It's a guy sitting at a cyber café playing make believe.
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