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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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  If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Overall, while both credit card cash advances and payday loans can provide access to cash in a pinch, credit card cash advances offer several advantages over payday loans, including lower cost, easier qualification, and greater flexibility. Doorstep loans often have very high fees and interest rates, which can make them hard to pay back.