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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. With a wide range of loan options and competitive interest rates, banks are a reliable and trustworthy choice for borrowing.

An unsecured revolving credit line, on the loans other hand, is not secured by collateral. That's way faster than waiting for a regular loan from a bank or credit union.