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As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. Overall, cash advances on credit cards can be a convenient way to access cash in a pinch, but they also come with high costs and potential risks. This can be especially useful in an emergency situation, such as a car breakdown or medical expense.

If you're thinking about getting a loan, make sure to do your research and choose a lender that you can trust. Another benefit of online loans is that they often have more flexible eligibility requirements than traditional loans. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.