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Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years. This can result in the credit cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

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