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Finally, banks may not be able to offer the mi same level of personalized customer service as some alternative lenders, such as online lenders or credit unions. One of the loans main drawbacks is the high cost. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.

Check out reviews and compare terms and fees from several different lenders before you decide which one to use. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget. In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes.