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  We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc.

  Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the payday loans near me in hardyville kentucky ky APR on a credit card cash advance is typically around 25% or higher. This can be especially beneficial for those who have irregular income or who are not sure how much money they will need in the kentucky future. However, cash advances on credit cards also come with some significant drawbacks.

  As long as the hardyville 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. One of the loans main drawbacks is the high cost.

  This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets. Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the me interest rates on payday loans. This can be especially useful in an emergency situation, such as a car breakdown or medical expense.