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Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. Here are some strategies you can use to manage your credit and potentially qualify for better loans:. When you apply for a personal loan at a credit union, you may be able to work with a loan officer who will take the in time to understand your specific financial situation and help you find the right loan product.

Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit. Using a secured credit card responsibly can help you build or rebuild your credit. That means you don't have to take time out of your busy schedule to go somewhere in person.