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This includes personal loans, mortgages, car loans, and business loans. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.

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One of the credit main advantages of a cash advance on a credit card is that it provides access to cash in a pinch, even if the cardholder does not have enough money in their checking or savings account. For example, many online lenders do not require a minimum credit score or collateral.