Any consumer credit is one of the easiest to obtain loans ever existed in the history of loans; however, cash advance of any kind may be obtained for the same purposes  and, maybe, even faster than consumer credit. Nonetheless, there exists consumer credit counseling and nothing like that for cash advances. The reason is very trivial because when someone is asking for a cash advance none of the giving asks what for is the borrower is asking that money; the situation is very different, when someone is asking for consumer credit services and, finally, the credit.

A consumer credit may given in a department store and without any money involvement at all; in other words, any business, having some consumer credit license, is legitimate to serve consumer credits to physical persons, who have the valid photo id and some other documents in minor number of cases. The buyer obtains a thing that he or she wants to have and the business gives him or her that thing against credit, filing the details of the borrower.

In comparison to a cash advance, where the borrower obtains some money, i.e. cash, and then he or she may go to a shop and buy something of his or her preference in some usual way, the consumer credit is a direct sale to an end consumer without any money in between at the moment of the purchase. But the buyer has to return the real money in the long run to the lender in exchange for the goods or services obtained during some stipulated period of time.