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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. However, cash advances on credit cards also come with some significant drawbacks.

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Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. As long as the wilder borrower makes their payments on time and in full, they can demonstrate their ability to manage debt responsibly, which can have a positive impact on their credit score.