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Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the oh APR on a credit card cash advance is typically around 25% or higher.

It may take some time and effort to find the bad right lender and build up your credit, but it can be worth it in the long run. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.