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This can be especially useful in an emergency situation, such as a car breakdown or medical expense. 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.

As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay.

More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans.