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A credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies. This means that there may be fewer protections in place to ensure that consumers are treated fairly. This process can take anywhere from a few minutes to a few days, depending on the bad lender.

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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. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs.