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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. Instead, try to pay your balances in full each month and only charge what you can afford to pay off. This can give borrowers peace of mind and confidence in their financial decisions.

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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. They can be a useful financial tool for small businesses, as they can provide a source of funds to cover operating costs or invest in growth. If the loans borrower consistently maxes out their credit limit and carries a high balance from month to month, they may end up paying more in interest and fees over time.