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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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  These might seem like a good idea because they come to you, but they can actually be risky. 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. And if you live in a rural area, it can be hard to find a traditional lending place nearby.