With bills piled high, most Americans find themselves scrambling at the end of each month trying to figure out how to pay them. And, with an unexpected car repair or medical bill, it can be outright overwhelming. In a tight situation, which is better: a credit card? Or, cash advance?

Generally, a credit card is a better way to go. The interest fees on a credit card are going to be lower than a cash advance. Even with “high-interest credit cards”, the rates will likely be lower than those of a cash advance. A personal loan will likely have interest rates upwards of 300%.

When you can, it’s a good idea to setup a savings account and put a little money away each month. That way, when unexpected bills arise, you’ll be prepared with money in the bank.