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Additionally, credit card cash advances are typically more flexible than payday loans. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed. A secured revolving credit line is one that is secured by collateral, such as a car or a house.

This can be especially beneficial for those who have irregular income or who are not sure how much money they will need in the bad future. This can make a revolving credit line a more cost-effective option than a traditional loan, where the loans borrower pays interest on the entire loan amount regardless of whether they use all of the money.