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These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget.

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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. Instead, lenders rely on the credit borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer.