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Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. Use credit wisely: If you do have credit, use it responsibly. There are several reasons why you might consider using a credit union for a personal loan.

This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house). You may be able to access the online funds as soon as the next business day.

This can be especially useful in an emergency situation, such as a car breakdown or medical expense. A credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies.