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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. One of the bad main advantages is the lower cost. It's important to note that payday loans can be very expensive and should only be used as a last resort.

If you're considering a payday loan, make sure you understand the bad terms and conditions and can afford to pay it back before you accept the loan. 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.