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Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit. If you are considering a doorstep loan, be sure to carefully research your options and understand the loans terms and conditions of the loan before you agree to it. Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate.