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For example, if the loans borrower has a credit limit of $10,000 but only borrows $1,000, they will only pay interest on the $1,000 that they borrowed. That's way faster than waiting for a regular loan from a bank or credit union. Use credit wisely: If you do have credit, use it responsibly.

This can result in the online cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly. It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation.

Be sure to review the online terms and conditions of the loan carefully before you agree to them. Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the strathcona interest rates on payday loans.