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Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. Another disadvantage of doorstep loans is that they may not be regulated as closely as online loans or traditional loans.

They will then be able to withdraw a certain amount of cash, up to their cash advance limit. Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans. Don't max out your credit cards or take on more debt than you can handle.