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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the bad borrower has. The bank will then review this information to determine the loans borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate.

Check out reviews and compare terms and fees from several different lenders before you decide which one to use. Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort.