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Another disadvantage of doorstep loans is that they may not be regulated as closely as online loans or traditional loans. And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you.

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Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose. Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances.