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Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date.

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Online loans are also very flexible when it comes to who can apply. Another disadvantage of doorstep loans is that they may not be regulated as closely as online loans or traditional loans.

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