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Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. However, it is important for borrowers to carefully consider the loans terms of their loan and ensure that they can afford the monthly payments before agreeing to take out an installment loan.

The borrower is given a credit limit, which is the east maximum amount of money that they are allowed to borrow. These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan.