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Learn more about managing your credit and improving your credit score. Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. One of the loans main drawbacks of doorstep loans is the high cost.

However, there are also some potential drawbacks to getting a loan from a bank. Don't max out your credit cards or take on more debt than you can handle.