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For example, many online lenders do not require a minimum credit score or collateral. Credit card cash advances do not have a fixed repayment schedule, which means that the online borrower can pay off the loan at their own pace.

However, it is important for borrowers to carefully consider the credit terms of their installment loan before agreeing to take it out. You can get a free copy of your credit report from each of the eye three major credit bureaus (Equifax, Experian, and TransUnion) once a year.