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However, it is important for borrowers to carefully consider the little terms of their installment loan before agreeing to take it out. This can make cash advances on credit cards a very expensive way to borrow money. While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay.

Don't max out your credit cards or take on more debt than you can handle. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit.

More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget. These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan.