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Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. Additionally, doorstep lenders may use aggressive sales tactics to convince consumers to take out a loan, even if it is not in their best interest.

Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card. And once you are approved, the credit money can be transferred into your bank account in just a few hours or days. They offer a predictable payment schedule and often have lower interest rates than other types of loans.

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. Don't max out your credit cards or take on more debt than you can handle. 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.