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Payday loans are short-term loans that are typically due on your next payday. After you apply, you'll usually find out if you're approved within a few minutes.

However, cash advances on credit cards also come with some significant drawbacks. While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay. Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments.

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There are several advantages of a credit card cash advance over a payday loan. Additionally, credit card cash advances are typically more flexible than payday loans.