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In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. While the duck process of obtaining a loan from a bank may require the submission of a significant amount of documentation and potentially have more stringent eligibility requirements, the personalized customer service and support that banks offer can make the process worth it.

Credit lines for unbanked people. They offer a predictable payment schedule and often have lower interest rates than other types of loans. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.