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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Overall, online loans offer many benefits over doorstep loans, including greater accessibility, faster turnaround times, more flexible eligibility requirements, and lower costs.

A secured revolving credit line is one that is secured by collateral, such as a car or a house. Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation.