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Here are some strategies you can use to manage your credit and potentially qualify for better loans:. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.

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Additionally, doorstep lenders may use aggressive sales tactics to convince consumers to take out a loan, even if it is not in their best interest. This can make a revolving credit line a more cost-effective option than a traditional loan, where the new borrower pays interest on the entire loan amount regardless of whether they use all of the money.