Suppose you’re talking about direct impact credit score when you take a cash advance or payday loan. But if you are taking the advance with a credit card, then there can be an impact on the credit utilization ratio. Try not to do any kind of balance; otherwise, the card limit will expire. Of course, when you take a payday loan, the credit score can be impacted, but make sure that you have a perfect balance and not mess with interest. Please do not push the limit of your credit card; otherwise, it might be impossible for you to get your next credit card and even payday loans.