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A lower interest rate can result in lower monthly payments and ultimately save the loans borrower money over the life of the loan. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Overall, online loans offer many benefits over doorstep loans, including greater accessibility, faster turnaround times, more flexible eligibility requirements, and lower costs.

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. This means that there may be fewer protections in place to ensure that consumers are treated fairly.