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Pre-paid debit cards include direct deposit, free savings account. How to Get Out of Payday Advance Loans. Payday loans are a. These types of loans should only be used as short term loans. The interest rate on cash loans will be higher than a traditional personal loan you would obtain from your bank. The interest rate of short term loans are higher because the borrower typically has bad credit or no credit history. The lender will charge a higher interest rate due to the risk associated with the loan. 4) Payday loans can only be used for emergencies. Bad Credit? It's Not A Problem
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