2. Trust
a) Trust companies provide financial and trustee services to consumers and corporations such as consumer loans, mortgages, acts as trustee for corporation or private companies, or handling pension funds.
b) In exchange for their services, trust companies charge an annual fee, usually 1 to 100% of the cash value as indicated in the insurance policy. Remember there is no time limit for repaying the loan and interest due will automatically be added to the loan.

5. Credit unions
Credit unions originally created to offer services to low-income families whose only alternative was a loan shark by pooling the funds of members, money could be lent at reasonable rates to other members who needed to borrow. Some credit unions have become very large and compete efficiently with banks and trust companies in interest rates and services offered.

You may also find some consumer loan brokers or agency acting on behalf of major banks, trust companies or private lenders for a service fee.

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