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The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. Rather than going to a bank or credit union, you can apply for an online loan from the online comfort of your own home. Use credit wisely: If you do have credit, use it responsibly.

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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. Instead, try to pay your balances in full each month and only charge what you can afford to pay off. 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.