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Online loans also tend to have faster turnaround times than traditional loans. However, it is important for borrowers to be mindful of their spending when using a revolving credit line. The bank will then review this information to determine the ks borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate.

Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the bad APR on a credit card cash advance is typically around 25% or higher. Online loans are also very flexible when it comes to who can apply. This can make cash advances on credit cards a very expensive way to borrow money.