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Cash advance is used for several different arrangements. It can mean a payday loan, borrowing cash against a credit-card limit, or money provided through a pay-advance service. These products do not share one fee structure or repayment schedule.How the borrowing arrangement worksIdentify who provides the money and where repayment comes from. For a card advance, read the card agreement. For a pay-linked service, review the membership, transfer and repayment terms. For a payday advance, check the short-term loan disclosure and your state's rules.Costs and repaymentList every amount you would pay: interest, transaction fees, subscription fees and any charge for faster delivery. Ask when interest starts and whether an advertised optional payment is truly optional. Compare the total dollar cost for the time you expect to use the money.

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