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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.

These might seem like a good idea because they come to you, but they can actually be risky. Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans.

If you are considering a doorstep loan, be sure to carefully research your options and understand the midland terms and conditions of the loan before you agree to it. Obtaining a loan from a bank can be a fantastic option for individuals or businesses in need of financial support.