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Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score. And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you. Doorstep loans often have very high fees and interest rates, which can make them hard to pay back.

Overall, online loans offer many benefits over doorstep loans, including greater accessibility, faster turnaround times, more flexible eligibility requirements, and lower costs. This can be especially useful in an emergency situation, such as a car breakdown or medical expense.