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But with an online loan, you might not need a perfect credit score or collateral to be approved. 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 credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies. Additionally, carrying a high balance can damage the online borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts.