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The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. That's way faster than waiting for a regular loan from a bank or credit union.

It may take some time and effort to find the bad right lender and build up your credit, but it can be worth it in the long run. However, it's important to be cautious when borrowing from an alternative lender, as the loans fees and interest rates may be higher than those of a traditional lender.