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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. These loans often have faster turnaround times and more flexible eligibility requirements than traditional loans, making them a good option for those who have less-than-perfect credit or live in a rural area.

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This can make cash advances on credit cards a very expensive way to borrow money. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. This can be especially beneficial for those who are trying to improve their credit or who have a limited credit history.