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Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. Additionally, doorstep lenders may use aggressive sales tactics to convince consumers to take out a loan, even if it is not in their best interest.

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That's way faster than waiting for a regular loan from a bank or credit union. And if you live in a rural area, it can be hard to find a traditional lending place nearby.