Risa has a negative credit rating, and she feels obtaining a fresh loan credit is going to be quite difficult for her. Her friend feels it is feasible for her to obtain credit from a credit union. What type of lending conditions is Risa likely to face?
A.
normal interest rates but requirement for collateral
B.
high interest rates and strict requirements for collateral
C.
high interest rates with a long tenure for loan repayment
D.
normal interest rates with a short tenure for loan repayment
E.
a legal document stating she will pay off her debt
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