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  With an online loan, you can apply from the payday comfort of your own home at any time of day or night. In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes. These might seem like a good idea because they come to you, but they can actually be risky.

  Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. To get a loan from a bank, the in borrower must first apply for the loan and provide the bank with information about their financial situation and credit history. Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate.

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