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One of the bad main advantages of a cash advance on a credit card is that it provides access to cash in a pinch, even if the cardholder does not have enough money in their checking or savings account. Rather than going to a bank or credit union, you can apply for an online loan from the scuddy comfort of your own home. A lower interest rate can result in lower monthly payments and ultimately save the kentucky borrower money over the life of the loan.