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For these small, short-term personal loans, fees can be $15 per $100 borrowed or more, so this type of loan should only be used for necessities. For these small, short term personal loans, there are usually minimal credit checks. If you already have a credit card and you take out a cash advance against your credit, most credit card companies charge an even higher interest rate on cash advances than they charge for purchases. You can also rest assured that you are under no obligation whatsoever until you and your lender agree to specific loan terms. Completion of this application in no way guarantees that you will be approved for any offer. This means your cash advance will sit and collect interest at a much higher rate until you can pay off all of the charges on your card that are not from cash advances. (etc) for me.
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