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Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. Overall, online loans offer many benefits over doorstep loans, including greater accessibility, faster turnaround times, more flexible eligibility requirements, and lower costs.

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In addition to a wide range of loan options, banks are also typically regulated by government agencies, providing an extra layer of protection for the loans borrower. This limit is typically a portion of the loans cardholder's overall credit limit and is set by the credit card issuer. However, it is important for borrowers to carefully consider the credit terms of their loan and ensure that they can afford the monthly payments before agreeing to take out an installment loan.