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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. However, it's important to be cautious when borrowing from an alternative lender, as the loans fees and interest rates may be higher than those of a traditional lender. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house).

Borrowers should make sure they understand the credit interest rate, fees, and repayment schedule, and ensure that they can afford the monthly payments. Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the online interest rates on payday loans.