For example, a $500 bank card cash advance with a 5% payment and 35% APR that is repaid in two months will cost around $55 in fees, potentially half of a dear brief-time period loan. Whereas we do not like these loans, for a small sliver of the population (not the thousands and thousands who get them), they are lending of final resort which, used proper, can resolve a one-off hole in individuals's funds.