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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates.

Additionally, carrying a high balance can damage the online loans huntington beach california ca bad credit online loans huntington beach ca borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts. Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances.

As long as the bad borrower makes their payments on time and in full, they can demonstrate their ability to manage debt responsibly, which can have a positive impact on their credit score. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the online APR on a credit card cash advance is typically around 25% or higher. They are also usually safer and less expensive than doorstep loans.