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Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the credit interest rates on payday loans. If you are considering taking out a loan, it is important to carefully research your options and choose a lender that is reputable and transparent. You can often receive an approval decision within a few minutes of submitting your application, and the tx funds can be deposited into your account within a few hours or days, depending on the lender.