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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. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.

Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. Check out reviews and compare terms and fees from several different lenders before you decide which one to use.