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Just be sure to do your research and compare offers from multiple lenders before you decide which one to use. Use credit wisely: If you do have credit, use it responsibly.

This means that people with less-than-perfect credit or those who do not own a home or car may still be able to qualify for an online loan. Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit.

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One of the credit best parts about online loans is how fast they are. Overall, cash advances on credit cards can be a convenient way to access cash in a pinch, but they also come with high costs and potential risks.