With a credit card - it's just too easy to put off repaying a credit card and let the balance grow and grow. With a personal loan – while they are suited for long-term borrowing or larger amounts, they offer little flexibility. If all you need is a few hundred dollars, it is not worthwhile borrowing more and holding the loan for several years.
With a cash advance, you have to repay the amount a set date, so it
disciplines you to stay on top of it, repay it and forget about it. Our loans
are strictly short term - up to 45 days. Other lenders want you to repay
bigger amounts than you need over long periods. We want you to repay as
quickly as possible and get on with your life.