This is true of “credit unions” in the US which are (probably?) similar as a legal structure. They exist as a service for a group or community - e.g. a union of

This is true of “credit unions” in the US which are (probably?) similar as a legal structure. They exist as a service for a group or community - e.g. a union of policemen for example, or any citizen of a city. Often their loan rates are generous, their fees low, and perhaps most importantly, they do not join into the blacklists that commercial banks use which prevent people from ever using a bank at all. If you can qualify for a credit union I would definitely recommend that you try them.