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As the online borrower makes payments on the loan, the credit limit becomes available again, allowing the borrower to borrow more money if needed. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score.

Borrowers should also be aware that defaulting on an installment loan can have serious consequences, including damage to their credit score and the loans possibility of legal action. However, it's important to be cautious when borrowing from an alternative lender, as the credit fees and interest rates may be higher than those of a traditional lender.

Additionally, doorstep lenders may use aggressive sales tactics to convince consumers to take out a loan, even if it is not in their best interest. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.