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These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. 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. Overall, while both credit card cash advances and payday loans can provide access to cash in a pinch, credit card cash advances offer several advantages over payday loans, including lower cost, easier qualification, and greater flexibility.