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Just be sure to do your research and compare offers from multiple lenders before you decide which one to use. That means you don't have to take time out of your busy schedule to go somewhere in person. However, cash advances on credit cards also come with some significant drawbacks.

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Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the loans interest rates on payday loans. This process can take anywhere from a few minutes to a few days, depending on the loans lender.