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If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice.

Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. Doorstep loans often have very high fees and interest rates, which can make them hard to pay back.