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A credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies. Rather than going to a bank or credit union, you can apply for an online loan from the morganza comfort of your own home. Community involvement: Credit unions are often closely tied to the la communities they serve, and they may offer special loan programs or discounts to members who live or work in those communities.