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I took out cash advance 3 times. Was approved fast even for the first time. The funds was immediately deposited to the card, they did not ask for any certificates.
The benefits are evident - you can choose a payday loan from any lender that fits you in accordance with the terms. There are a huge number of lenders offering a different amount, rate, term. In general, I used the service, I liked everything. Everything is fair and well-organized.