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Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. 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. Just be sure to do your research and compare offers from multiple lenders before you decide which one to use.

Additionally, carrying a high balance can damage the loans borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts. Once the loans borrower has been approved for the loan, they will need to sign a loan agreement, which outlines the terms of the loan, including the interest rate, repayment schedule, and any fees that may be associated with the loan.