Credit union personal loansoffer a lower-cost alternative to cash advances but with lower borrowing amounts—usually around $250 or more. Credit unions are nonprofit organizations, so they typically offer lower rates and terms that are more favorable to borrowers. But keep in mind you’ll need to become a member of the credit union to take out a loan...

If it’s an option, a family loanmay be a good alternative to a cash advance. This is just a loan you borrow from a family member or trusted friend. The interest rate will likely be lower and you’ll have more flexibility around repayment terms. That said, you should create a repayment plan so you don’t put a strain on your relationship. Chime is a f...