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That makes it easier for people who might have trouble getting approved for other types of loans. A cash advance on a credit card is a service that allows cardholders to withdraw cash from their credit card account. Use credit wisely: If you do have credit, use it responsibly.

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These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans.