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Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. They are also usually safer and less expensive than doorstep loans.

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Learn more about managing your credit and improving your credit score. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.