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A cash advance on a credit card is a service that allows cardholders to withdraw cash from their credit card account. 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. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay.

Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay.

One option you might consider is a secured credit card, which requires a deposit as collateral. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.