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Another disadvantage of doorstep loans is that they may not be regulated as closely as online loans or traditional loans. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score.

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Overall, installment loans can be a useful financial tool for those who need to borrow a large sum of money and want to pay it back over a longer period of time. These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. That's way faster than waiting for a regular loan from a bank or credit union.

If you're thinking about getting a loan, make sure to do your research and choose a lender that you can trust. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit.