 TITLE: Personal Loan vs. Cash Advance: Which Is Best? CONTENT: Other Options for Getting a Quick Cash Loan\n-------------------------------------------\nIf neither a personal loan nor a credit card cash advance will work for you, there are other options, some of which might even cost less. They include:\n*   **0% intro APR credit card**: This isn't an option for immediate cash, but an intro 0% APR credit card such as the Chase Freedom Flex℠ can help you avoid paying interest if you need to cover an emergency expense. If you're approved, cards with 0% intro APR offers give you a certain period of time—say, 12, 15 or 18 months—during which time purchases won't accrue interest. Just be sure to pay off the balance before the end of that period, or risk a high interest rate. Also, you'll often need good credit to qualify.\n*   **Lending circles**: Nonprofit organizations including Mission Asset Fund operate lending circles, which are groups of up to 12 people who borrow money from each other at low or no interest. In some cases, these organizations report payments to the credit bureaus, which means you can also build credit by repaying the loan on time. It will require some research to find a lending circle that works for you, and you may not be first in line for funding once you join.\n*   **Financial assistance programs**: You can also search for targeted assistance if you need money to pay utility bills, for instance, or rent. Call 211 for access to free guidance on the federal, state and local programs you may qualify for. Benefits.gov also offers a search tool to help you understand which government programs may meet your needs.\n*   **Borrowing from family or friends**: If a friend or family member is willing to help out, don't be afraid to ask for a loan. You can set up terms, including a repayment period and interest rate, just like a traditional loan if it would make one or both parties feel more secure.\nAvoid payday loans, title loans and pawn shop loans, however. These are quick-cash options that carry higher interest rates than cash advances and personal loans, and have the potential to trap borrowers in a cycle of debt. END