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Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit. Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances.

These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. After you apply, you'll usually find out if you're approved within a few minutes.

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