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Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. However, there are also some potential drawbacks to getting a loan from a bank. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date.

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. After you apply, you'll usually find out if you're approved within a few minutes. Additionally, banks are typically regulated by government agencies, which can provide additional protections for the de borrower.