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Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest.

Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the online APR on a credit card cash advance is typically around 25% or higher. While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay.