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Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. The lender will hold onto the credit loan funds until the loan is paid off, at which point the funds are released to the borrower. There are several reasons why you might consider using a credit union for a personal loan.

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 bad borrower. These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan.