A consolidation loan can be used to payoff credit cards and payday loans. As a matter of fact, this type of loan can be used to payoff any debt you want. The better question might be “should I consolidate credit card debt and payday loans?”. Since a cash advance loan is a very short term loan, usually paid back within 21 days, would you want to extend the term of that loan? It pretty much depends on your financial situation.

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