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Some traditional loans have strict rules about credit scores or needing collateral (like a car or house). 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.

Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well. If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice.