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Another disadvantage of doorstep loans is that they may not be regulated as closely as online loans or traditional loans. This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. This can be especially useful in an emergency situation, such as a car breakdown or medical expense.

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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Instead, lenders rely on the credit borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer.