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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. Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card.

The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. This can result in the city cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly.