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Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years. One of the loans main benefits is the potential for a lower interest rate, which can result in lower monthly payments and save the borrower money over the life of the loan.

That means you don't have to take time out of your busy schedule to go somewhere in person. Only apply for credit when you really need it, and try to avoid applying for too much credit at once. 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.