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Overdraft loans and instant loans serve as financial lifelines in times of need, yet they operate differently. Overdraft loans provide flexibility by allowing borrowers to withdraw more than their account balance, typically with a pre-approved credit limit. In contrast, instant loans offer quick access to a fixed amount of money for immediate needs, often with a streamlined application process. While overdraft loans offer ongoing access to funds, instant loans provide a one-time lump sum. Understanding the nuances of each option is crucial in determining the best fit for individual financial needs and circumstances.