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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. Borrowers should also be aware that defaulting on an installment loan can have serious consequences, including damage to their credit score and the bad possibility of legal action.

If you are considering a doorstep loan, be sure to carefully research your options and understand the city terms and conditions of the loan before you agree to it. It's generally a good idea to keep your credit utilization below 30%. Personal loans can be used for a variety of purposes, such as consolidating debt, financing a home improvement project, or paying for unexpected expenses.