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One option you might consider is a secured credit card, which requires a deposit as collateral. 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.

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Instead, lenders rely on the credit borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay.