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Another disadvantage of doorstep loans is that they may not be regulated as closely as online loans or traditional loans. Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. 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.

These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Using a secured credit card responsibly can help you build or rebuild your credit. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs.

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