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As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score. Borrowers should make sure they understand the loans interest rate, fees, and repayment schedule, and ensure that they can afford the monthly payments.

One of the bad main advantages of a revolving credit line is the flexibility it offers. In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes. There are several reasons why you might consider using a credit union for a personal loan.