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If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. Additionally, cash advances on credit cards do not have a grace period, which means that interest begins accruing on the loans borrowed amount as soon as it is withdrawn. For example, if the online borrower has a credit limit of $10,000 but only borrows $1,000, they will only pay interest on the $1,000 that they borrowed.