Comment: Brief addendum to my final answer.

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Brief addendum to my final answer.

I have found over the years, credit unions have much better business practices & terms. Terms of each loan must be scrutinized, as there are many variants; overall, I choose to use credit unions. I avoid loans.

Terms & conditions apply... Credit unions are far less bad.

They share many of the troubles of our Federal Reserve faith-based monetary system. Example: a promissory note monetary system racket run without money. Credit unions & their credit cards are tied to & supposedly backed by banks.

Alas, we must live in the world we were born unto.

Disclaimer: Mark Twain (1835-1910-To be continued) is unlicensed. His river pilot's license went delinquent in 1862. Caution advised. Daily Paul