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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.

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  That makes it easier for people who might have trouble getting approved for other types of loans. They offer a predictable payment schedule and often have lower interest rates than other types of loans. Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort.

  Another advantage of a credit card cash advance is that it is typically easier to qualify for than a payday loan. There are several advantages of a credit card cash advance over a payday loan.