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Rather than going to a bank or credit union, you can apply for an online loan from the loans comfort of your own home. Payday loans are short-term loans that are typically due on your next payday. Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit.

And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you. Here are some strategies you can use to manage your credit and potentially qualify for better loans:.

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