The biggest difference between loan and cash advance is the amount of time that you use to get them. The process for applying for a loan can take days to get the it completed. Many people find that the cash advance process is much simpler. It is very easy to apply for one and you can either go to a place that offers them or you can get one online. The form is very easy to fill out and you only need a little bit of documentation to complete it. If you need cash and you need it fast, then you will benefit from a cash advance.