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Overall, getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. Installment loans can also help borrowers to build or improve their credit score. It's generally a good idea to keep your credit utilization below 30%.

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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. A secured revolving credit line is one that is secured by collateral, such as a car or a house. Just be sure to do your research and compare offers from multiple lenders before you decide which one to use.