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You must have a bank or credit union checking or savings account . Easy Online Approval Pricing structure of payday loans – as noted above, payday loans come with a very high interest rate. Issuers of payday loans defend these high rates by saying processing costs for payday loans are proportionally higher than other loans. They argue that conventional interest rates for lower dollar amounts and shorter terms would not be profitable. Consider interest rates and plan to pay off the loan as soon as possible.
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