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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. Online loans are also very flexible when it comes to who can apply.

Credit lines for unbanked people. But with an online loan, you might not need a perfect credit score or collateral to be approved. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.

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Don't max out your credit cards or take on more debt than you can handle. This can be done at an ATM, bank, or other location that offers cash advance services.