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It's important to note that payday loans can be very expensive and should only be used as a last resort. Overall, installment loans can be a useful financial tool for those who need to borrow a large sum of money and want to pay it back over a longer period of time. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.

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Using a secured credit card responsibly can help you build or rebuild your credit. Another advantage of a credit card cash advance is that it is typically easier to qualify for than a payday loan.